Three major crypto bills in the United States are getting attention for the way they could change the future of Ripple and XRP. While traders often focus on short-term price moves, these laws might lay the groundwork for Ripple’s long-term role in the global financial system.
The updates were shared in a detailed thread by analyst RippleXity on X, who broke down the GENIUS Act, the Clarity Act, and the Anti-CBDC Surveillance State Act. Each one touches on a key part of what Ripple is trying to do, and together they could give XRP the clarity it needs to grow.
What you'll learn 👉
The GENIUS Act Could Make Stablecoins Officially Trusted
The first bill RippleXity explained is the GENIUS Act, short for Guiding Entrepreneurship through Nationwide Innovation in U.S. Stablecoins. This law would require stablecoins like USDC, USDT, and Ripple’s RLUSD to be backed 1:1 by real assets. It would also mandate regular audits and proper licensing, either at the state or federal level.
1/ The GENIUS Act
— RippleXity (@RippleXity) July 16, 2025
(Guiding Entrepreneurship through Nationwide Innovation in U.S. Stablecoins)
It requires:
•Full 1:1 asset backing
•Regular audits
•Federal and/or state licensing
✅ If passed, this will legitimize stablecoins like $RLUSD, $USDC, $USDT and pave the way for… pic.twitter.com/2YBKSg9mOQ
That might sound technical, but the implications for Ripple are huge. If stablecoins become officially regulated and trusted, then Ripple’s own stablecoin RLUSD could gain serious traction. It would also open the door for Ripple to expand into payroll, banking, and international remittances. According to RippleXity, this is exactly the kind of regulatory clarity Ripple has been waiting for.
The bill could also boost XRP by giving it a clearer role as a bridge between regulated digital assets across borders.
The Clarity Act Gives XRP the Legal Definition It Needs
RippleXity called the Clarity Act the most important piece of legislation Ripple has ever faced. That’s because it does something Ripple has been fighting for over the years. It defines what makes a crypto asset a security and what makes it a commodity.
This is important for Ripple because the ongoing legal fight with the SEC has often revolved around whether XRP is a security. If the Clarity Act becomes law, it could limit the SEC’s control and give more power to the CFTC and Treasury, which have a different view of crypto assets.
In practical terms, this could protect XRP from future lawsuits in secondary markets and finally give Ripple the go-ahead to scale XRP adoption in the US. RippleXity says it would be the “regulatory green light” Ripple needs to move forward without fear of enforcement.
The Anti-CBDC Act Preserves Room for Private Blockchains
The third bill RippleXity analyzed is the Anti-CBDC Surveillance State Act. This one is aimed at stopping the Federal Reserve from launching a direct retail CBDC in the US, mainly because of privacy and civil liberty concerns.
If that sounds unrelated to Ripple at first glance, it actually matters a lot. A Fed-issued CBDC could have sidelined private solutions like XRP. With this bill in place, there’s more room for Ripple to offer payment infrastructure without competing directly with the government.
Ripple has already worked with other countries to help build central bank digital currencies. This bill protects Ripple’s ability to continue that work without interference from a US-based CBDC that might dominate the landscape.
The Ripple Effect of All Three Bills Together
Individually, each bill supports a different part of Ripple’s strategy. But when you look at them together, the impact becomes much bigger.
RippleXity points out that if all three pass, they could make XRP legally usable by US banks and fintechs. That would unlock serious institutional demand. They would also allow Ripple’s XRP Ledger (XRPL) to tokenize real-world assets with legal backing, something that could turn Ripple into core financial infrastructure rather than a project stuck in legal limbo.
This isn’t just about court wins or short-term XRP price moves. Ripple has said it wants to be the backbone of a new financial system. These bills could finally give it the legal foundation to do just that.
The Ripple price has always reacted to major legal updates, and if these bills gain traction in Congress, it could have a big effect on the XRP price. With regulatory clarity, stablecoin support, and a clean path for private blockchains, XRP could see increased adoption and better market positioning.
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RippleXity believes this is the long-term play that many investors are missing. While some chase quick pumps, this kind of regulation might be what really drives sustainable growth for Ripple and the XRP price.
So far, there’s no clear timeline on when these bills could pass, but RippleXity encourages the crypto community to stay informed. According to them, understanding these laws is key to understanding Ripple’s future.
If that future becomes reality, XRP might finally have the legal and institutional support to go mainstream.
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