XRP News Today: U.S. Crypto Bills Spark XRP 6% Rally and Dogecoin 14% Surge as Legal Clarity Drives Adoption

The U.S. crypto market is undergoing a transformative phase as the House of Representatives passed three pivotal bills—GENIUS, CLARITY, and Anti-CBDC—which aim to establish a clearer regulatory framework for stablecoins, securities definitions, and centralized digital currencies. This legislative shift has ignited a surge in institutional and retail interest, particularly in XRP and Dogecoin, with both assets logging double-digit gains. Analysts attribute the rally to the bills’ potential to reduce legal uncertainties, thereby accelerating adoption and investment in digital assets [1].

XRP, the native token of Ripple’s blockchain network, has broken through its 2018 all-time high, trading near $3.49 with a 6% 24-hour gain. Whale activity has intensified, with 2.2 billion XRP tokens—valued at over $7.1 billion—being added to wallets. Institutional adoption is also surging: VivoPower and Webus have allocated $421 million to XRP, underscoring its role in cross-border payments and compliance-focused use cases. Analysts project a potential move toward $4.00 and even $10 if Ripple secures U.S. banking integration and spot ETF approvals, with one expert noting that “XRP’s growing institutional use is reinforcing its long-term value” [4].

Dogecoin (DOGE) has mirrored this momentum, surging 14% to $0.24 in a week, with 30-day gains exceeding 40%. The meme coin’s revival has been amplified by social media speculation and a broader altcoin rally, as the sector rose 41% in the same period. Technical indicators, including a Cup-and-Handle breakout and bullish RSI patterns, have traders like MMBTtrader forecasting a move toward $0.40 or higher. Bloomberg analysts now assign a 90% probability to DOGE ETF approval this year, which could attract institutional capital and solidify its status as a legitimate asset class despite its origins as a joke [5].

Amid this landscape, MAGACOIN FINANCE—a politically charged meme coin—has emerged as a speculative contender. Similar to early DOGE and Shiba Inu, it blends meme-driven appeal with decentralized infrastructure, including CertiK and HashEx audits. Presale activity suggests strong retail interest, with analysts projecting up to 500x returns post-launch based on token scarcity and social media traction. Unlike XRP and DOGE, however, MAGACOIN remains in its final presale phase, positioning it as a high-risk, high-reward play for investors seeking exposure to niche altcoins [1].

The broader market is cautiously optimistic. Bitcoin’s market dominance dipped below 62%, opening the door for altcoin season, while the White House’s upcoming crypto policy remains a wildcard. Regulators anticipate banks and asset managers will expand stablecoin offerings as legal clarity takes hold, but volatility persists. XRP recently dropped 14% following $175 million in large transactions attributed to Ripple co-founder Chris Larsen, highlighting the sector’s sensitivity to market sentiment [9].

Investors are balancing macro optimism with caution. While XRP’s institutional adoption and DOGE’s ETF potential offer tangible catalysts, meme coins like MAGACOIN remain speculative, with gains largely driven by retail enthusiasm. As one commentator noted, “Unlike Dogecoin, XRP is actually playing a role in the global financial system,” emphasizing the distinction between utility-driven assets and meme-based speculation [8].

The regulatory developments and market dynamics suggest a shift toward diversified crypto portfolios. With XRP and DOGE benefiting from policy clarity and institutional backing, and niche projects like MAGACOIN capturing speculative demand, the sector’s trajectory will depend on how regulators and market participants navigate the evolving landscape.

Sources:

[1] [Can Dogecoin Reach $1 in 10 Years?](https://www.aol.com/dogecoin-reach-1-10-years-100200397.html)

[4] [Are we about to see the XRP price soar another 500% as payment tokens continue to skyrocket?](https://m.economictimes.com/wealth/invest/are-we-about-to-see-the-xrp-price-soar-another-500-as-payment-tokens-continue-to-skyrocket/articleshow/122873229.cms)

[5] [Dow Jones Declines, Tesla Stock Plummets Post Earnings](https://m.economictimes.com/crypto-news-today-live-24-jul-2025/liveblog/122865756.cms)

[8] [Why Dogecoin Is Inching Higher Today](https://www.aol.com/why-dogecoin-inching-higher-today-221039167.html)

[9] [XRP Drops 14% After $175M Moved to Exchange by Ripple Co-Founders’ Wallet](https://cryptoadventure.com/xrp-drops-14-after-175m-moved-to-exchange-by-ripple-co-founders-wallet)