XRP News: CLARITY Act Advances While Ripple Lands on CNBC’s Top Fintech List for a Fourth Straight Year
The US just got a little closer to having real rules for crypto. Senate Republicans put out a new version of the CLARITY Act, all 616 pages of it. The good news for the crypto community: the key problems were tackled. Protections for developers. Rules to keep customer assets safe if a company goes under. Clearer guidelines for digital asset markets.
For Ripple and XRP, this comes at a good time. The company just picked up another big fintech award and keeps growing its university research program across the globe.
For the fourth year in a row, Ripple made CNBC and Statista’s list of the world’s top fintech companies. They’ve been putting money into blockchain research through their university program, UBRI. It started back in 2018. Now it has over 60 schools on board.
Blockchain is moving faster than ever, and the research keeping pace is emerging from the world's leading universities.
— Ripple (@Ripple) July 22, 2026
Since 2018, Ripple's UBRI has grown to 60+ academic partners, exploring where this tech goes next.
Our 2025–2026 report showcases breakthroughs across three… pic.twitter.com/pYr3hEf7oh
Their latest report for 2025–2026 zeroes in on three areas they think will matter most for blockchain in the years ahead.
These include autonomous and AI-enabled financial infrastructure, tokenized assets and digital markets, and post-quantum cryptography. The program brings together universities researching blockchain applications that extend beyond cross-border payments and into broader financial infrastructure.
Related XRP News: Multiple XRP Price Indicators Just Flashed “Buy” Signals
The CLARITY Act also remains a major talking point across the crypto industry. The latest Senate draft preserves the Blockchain Regulatory Certainty Act (BRCA), which confirms that non-custodial software developers and blockchain infrastructure providers are not treated as money transmitters simply because they develop or maintain blockchain networks.
The bill also keeps customer-owned digital assets outside a bankrupt company’s estate, giving users protections similar to those available in traditional financial markets if an exchange or custodian fails.
UPDATE: Here is a quick breakdown of all 5 major sections in the 616-page Digital Asset Market Clarity Act👇 https://t.co/hy0QNHRfoV pic.twitter.com/2mun15z1hf
— BeInCrypto (@beincrypto) July 22, 2026
Other provisions retained in the updated text include restrictions on paying interest on idle payment stablecoin balances, expanded funding for crypto crime investigations, new blockchain analytics programs for law enforcement, and a public-private task force focused on combating digital asset fraud.
The regulatory progress has fueled discussion within the XRP community. A commentary post from the account Mr. Pool argued that banks and institutional investors have frequently pointed to regulatory uncertainty when delaying digital asset custody services, ETF products, and broader blockchain adoption.
🚨 THE CLARITY ACT: NO MORE EXCUSES 🚨
— Mr. pool (@RealTrumpGesara) July 22, 2026
Holding $XRP $XLM $HBAR? The game just changed.
For years, Wall Street and banks used the exact same fallback script:
Institutional custody? "We need clarity first."
ETF approvals? "We need clarity first."
Mass bank adoption? "We need… pic.twitter.com/3xlMmfF0eY
The post claimed the CLARITY Act removes much of that uncertainty, although the legislation must still clear additional votes before becoming law.
Top analyst Steph Is Crypto shared on X that a Goldman Sachs analyst supposedly said the XRP price could hit $1,000 by 2030 if everyone in the world starts using it. But there’s no Goldman report backing that up. No official statement either. So take it for what it’s worth.
For XRP, what matters are the real things you can actually track. Ripple keeps growing its research work. They got another big fintech award. The CLARITY Act is moving forward with crypto rules still in place.
Whether any of that brings in bigger money from institutions? That depends on the bill actually passing and how regulators decide to enforce it once it’s law.
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