Here’s How the 3 Major U.S. Crypto Bills Could Reshape the Future of Ripple and XRP

TLDR:

GENIUS Act enforces stablecoin rules, aiding the Ripple RLUSD dollar-backed token.
Clarity Act defines XRP as a commodity, limiting SEC authority in secondary markets.
Anti-CBDC bill preserves XRP’s use by banning direct Fed-issued digital currencies.
Unified legal clarity could bring XRP mainstream adoption in U.S. banking systems.

Three major crypto bills moving through Congress could completely change how Ripple operates in the United States.

The GENIUS Act, Clarity Act, and Anti-CBDC Surveillance State Act represent the most significant regulatory framework crypto has ever seen. These bills address stablecoins, digital asset classification, and central bank digital currencies.

Each piece of legislation targets different aspects of the crypto ecosystem. Together, they could unlock massive institutional adoption for XRP and transform Ripple into a regulated financial infrastructure.

GENIUS Act Unlocks Ripple’s RLUSD Stablecoin Strategy

The Guiding Entrepreneurship through Nationwide Innovation in U.S. Stablecoins Act establishes strict requirements for stablecoin issuers.

Companies must maintain full 1:1 asset backing and undergo regular audits. Federal or state licensing becomes mandatory for all stablecoin operations.

RippleXity points out that this legislation legitimizes stablecoins like RLUSD, USDC, and USDT. The bill opens pathways for tokenized dollars to enter traditional banking systems. Payroll services and remittance companies could start using regulated stablecoins for daily operations.

Thread: How 3 Major U.S. Crypto Bills Could Reshape the Future of Ripple & $XRP

Let’s break down the GENIUS, Clarity & Anti-CBDC Acts.

Understand what they mean for Ripple, XRP and crypto adoption in the U.S. pic.twitter.com/jv89mdiZpJ

— RippleXity (@RippleXity) July 16, 2025

This framework directly benefits Ripple’s RLUSD stablecoin strategy. The company gains legal clarity for its tokenized dollar offering. More importantly, regulated stablecoins create new bridge opportunities for XRP in global payment systems.

Clarity Act Defines XRP’s Regulatory Status

The Clarity Act tackles the biggest question facing crypto investors today. This legislation clearly defines when digital assets qualify as securities versus commodities. It also establishes distinct roles for the SEC, CFTC, and the Treasury Department.

XRP holders have waited years for this type of regulatory certainty. The bill protects digital assets in secondary markets from securities classification. It also limits SEC overreach by defining specific jurisdictional boundaries between regulatory agencies.

Ripple’s legal team has fought for exactly this type of framework. Clear commodity classification could end years of regulatory uncertainty surrounding XRP. Banks and financial institutions would finally have the green light to integrate XRP into their payment systems.

Anti-CBDC Act Keeps Ripple and XRP in the Global Payment Game

The Anti-CBDC Surveillance State Act prevents the Federal Reserve from issuing direct retail digital currency. Lawmakers cite privacy concerns and civil liberties issues as primary reasons for blocking federal CBDCs. This legislation preserves space for private blockchain protocols in payment infrastructure.

A Federal Reserve retail CBDC could have eliminated demand for assets like XRP. Government-issued digital dollars would compete directly with private payment solutions. The bill ensures private protocols maintain their role in the future monetary system.

Ripple benefits significantly from this CBDC restriction. The company can continue building CBDC solutions with other countries without competing against U.S. government currency. XRP maintains its position as a bridge asset for global payments and settlements.

Combined Impact on Ripple and XRP

These three bills working together could unlock unprecedented opportunities for Ripple and XRP. U.S. banks and fintech companies would gain legal permission to use XRP for payments. The XRP Ledger could tokenize real-world assets with federal regulatory backing.

Most importantly, Ripple transforms from a legal gray area into a compliant financial infrastructure. This shift opens doors for massive institutional adoption across traditional finance. While traders focus on short-term price movements, these bills represent the foundation for long-term crypto integration into mainstream finance.

The post Here’s How the 3 Major U.S. Crypto Bills Could Reshape the Future of Ripple and XRP appeared first on Blockonomi.

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