XRP News Today: XRP Surges 277% Against Bitcoin Amid Regulatory Tailwinds

XRP has seen a remarkable surge of approximately 277% against Bitcoin over the past year, significantly outperforming Bitcoin's 88% gain. This performance is notable as XRP achieved these gains without the backing of a U.S. spot ETF, DeFi protocols, or major treasury accumulation, which have been key drivers for Bitcoin's growth. The XRP/BTC ratio climbed from roughly 0.00000902 to about 0.0000303, indicating a substantial shift in value perception where holding XRP meant significantly more Bitcoin-year growth.

Several factors have contributed to XRP's impressive performance. Intensified whale activity, with large holders accumulating significant amounts of XRP, and macro-regulatory tailwinds have favored the third-largest cryptocurrency by market capitalization. Institutional inflows, such as Teucrium’s XXRP ETF gathering substantial investments, further indicate a deep and committed investment base. Additionally, the U.S. political climate has bolstered XRP’s narrative, with a proposed federal “digital asset stockpile” that includes XRP alongside other major cryptocurrencies.

Ripple CEO Brad Garlinghouse celebrated the passage of the GENIUS Act, calling it a landmark win for the crypto community. The law provides clear, pro-innovation regulation for the stablecoin market, signaling a major shift in the nation’s traditionally cautious approach to cryptocurrencies. The GENIUS Act, while primarily focused on stablecoins, has ripple effects for various cryptocurrencies, including XRP. The immediate market response for XRP was strong, with the cryptocurrency soaring to the $3.50 level, reflecting renewed confidence in crypto regulation.

The GENIUS Act paves the regulatory path for stablecoins like Ripple’s RLUSD, mandating full reserve backing, audited reserves, and issuer licensing. Ripple has already taken steps to align with these regulations, applying for a national trust charter, pursuing a Federal Reserve master account, and partnering with BNY Mellon for reserve custody. Analysts note that RLUSD can gain a first-mover advantage in a regulated stablecoin market, with XRP benefiting as the frictionless liquidity and settlement tool for RLUSD transactions.

While the GENIUS Act does not directly regulate XRP, it clears the way for Ripple’s RLUSD stablecoin. By aligning regulatory infrastructure, reinforcing XRP's bridge utility, and reducing SEC influence, the bill strengthens XRP’s role in regulated finance. This explains why Garlinghouse applauds the GENIUS Act passage. XRP’s 277% gain against Bitcoin over the past year signals a radical shift, evolving from speculative momentum to recognition of institutional adoption, on-chain utility, and regulatory legitimacy. With ETF entry points, whale accumulation, and bullish technical patterns converging, XRP is increasingly being perceived as a credible contender in the digital-asset space.