XRP News Today: XRP Hits $3.65 All-Time High After U.S. House Approves Crypto Bills

XRP, the cryptocurrency associated with Ripple, has reached a new all-time high (ATH) of $3.65, surpassing its previous peak of $3.40 set in January 2018. This significant surge follows the U.S. House of Representatives' approval of two key cryptocurrency bills: the GENIUS Act and the CLARITY Act. These legislative developments have sparked strong bullish sentiment around XRP, driving the token up by more than 20% in just 24 hours.

The GENIUS Act, in particular, proposes a clear legal path for digital assets, addressing a long-standing need for regulatory clarity in the cryptocurrency market. This move is seen as a landmark decision that could pave the way for broader acceptance and adoption of digital currencies. The CLARITY Act, on the other hand, aims to provide clearer guidelines for the regulation of cryptocurrencies, further enhancing investor confidence and market stability.

The surge in XRP’s price can be attributed to several key factors. Firstly, the U.S. House passing crypto-positive legislation is a significant development. The GENIUS Act, in particular, proposes a clear legal path for digital assets, something investors have long awaited. Secondly, the long-standing SEC vs. Ripple lawsuit appears to be resolved, with both parties reaching an agreement. This removes a significant barrier to XRP adoption and investor confidence. Additionally, speculation is mounting around a potential XRP ETF approval in the U.S., with market analysts placing over 85% odds of approval before year-end. Behind the scenes, major institutions are increasing their exposure to Ripple’s payment network, driving bullish fundamentals. Lastly, the retail crowd is re-entering the crypto market with full force, riding the wave of optimism across Bitcoin, Ethereum, and now XRP.

XRP’s bullish momentum follows the U.S. House’s passage of three landmark crypto bills, including the GENIUS and CLARITY Acts aimed at establishing a clear regulatory framework, delivering on the Donald Trump administration’s promise and gaining strong bipartisan backing. The GENIUS Act now awaits President Trump’s signature, while the CLARITY Act heads to the nation’s Senate. Regulatory uncertainty has long plagued the crypto industry, but the GENIUS Act tackles this head-on by clearly defining which digital assets qualify as securities. This clarity removes a major barrier to innovation and boosts institutional confidence. On the other hand, the CLARITY Act draws a firm legal line between digital commodities like XRP and securities, limiting the United States Securities and Exchange’s sweeping discretion that fueled lawsuits like Ripple vs. SEC. It gives crypto firms clear compliance guidelines, reducing legal uncertainty.

XRP’s rise echoes a broader altcoin resurgence. Bitcoin recently hit a new ATH above $122K, while Ethereum, Solana, and others climbed in tandem, thanks to soaring institutional inflows and the launch of spot ETFs. Ripple’s recent launch of its RLUSD stablecoin also showcases its ongoing innovation and ecosystem depth. Therefore, XRP’s new ATH signals renewed confidence among whales, institutional backing, favorable regulation, and real-world utility.

XRP’s on-chain adoption is achieving six-month highs, with surging numbers of new wallets and transactions. Ripple recently strategically partnered with Ctrl Alt to support Dubai Land Department’s tokenized real estate initiative, leveraging its XRPL EVM sidechain, which now hosts over 1,300 smart contracts and 160 tokens. Such real-world use cases position XRP as more than an altcoin, it's an infrastructure play.

XRP’s ascent to $3.65 represents more than a price milestone, it’s a reflection of regulatory clarity, growing institutional confidence, real-world application, and robust on-chain and technical dynamics. For now, XRP stands at a pivotal inflection point: breaking out into a new era or pausing to consolidate before its next leap.