BREAKING: U.S. House Passes Motion to Advance GENIUS & CLARITY Crypto Bills!
- Samantha
- Jul 16
- 2 min read
Washington, D.C., July 16, 2025 — In a major win for the crypto industry, the U.S. House of Representatives has voted 215–211 to advance the GENIUS Act, the CLARITY Act, and the Anti‑CBDC Surveillance Act. And while the legislation isn’t yet law, industry leaders are already calling this a watershed moment for compliant digital assets—especially XRP.
Why This Matters for XRP
With its years-long legal battles and push for institutional adoption, XRP now finds itself in an enviable position: regulatory clarity could open the floodgates for Ripple’s enterprise-level blockchain solutions across global banking, tokenization, and payment systems.
Here’s how XRP connects to each act:
1. CLARITY Act: Ending the Regulatory Tug-of-War
The CLARITY Act seeks to define which digital assets fall under the SEC vs. the CFTC. With Ripple’s partial legal victory in 2023 declaring XRP not a security in secondary sales, the CLARITY Act would cement XRP’s classification, finally removing the shadow of regulatory uncertainty.
“XRP is not only fast and efficient—it’s becoming legally defined. That’s rocket fuel for institutional adoption,” said digital finance analyst Sophia Lane.
2. GENIUS Act: Stablecoin Regulation + CBDC Guardrails
Though focused on stablecoins, the GENIUS Act includes explicit protections against a U.S. Central Bank Digital Currency (CBDC), something Ripple has vocally opposed due to surveillance concerns. Ripple’s ongoing work with nations like Palau, Bhutan, and others in private-sector CBDC pilots could accelerate if the U.S. formally bans Fed-issued CBDCs.
This shift might also bolster Ripple’s XRPL-based RealFI partnerships, like the REAL token, which is pioneering tokenized real estate on-chain—without relying on government-issued stablecoins or CBDCs.
3. Anti-CBDC Act: Ripple's Position Strengthens
The Anti‑CBDC Surveillance Act aims to prohibit the Federal Reserve from launching a digital dollar, echoing privacy and freedom arguments Ripple executives have championed. If passed, the Act will further validate decentralized, permissionless networks—a space XRP has dominated in terms of speed and cost.
XRP Market Sentiment Spikes
Since the House vote passed, XRP's price has reacted favorably, bouncing off recent lows and trending upward toward the $3.10 mark. Analysts speculate that if all three bills become law, XRP could quickly surge past $5 as banks and financial institutions regain regulatory confidence.
“The clarity Ripple fought for in court is finally becoming national policy,” said crypto policy expert Jerome Watts.
Global Use Cases Back XRP's Relevance
Cross-border Payments: RippleNet already processes billions in remittances globally.
Tokenized Real Estate: Platforms like REALFI are using the XRP Ledger to tokenize portions of the $654.39 trillion real estate market.
Retail Adoption: The CryptoTradingFund (CTF Token) ecosystem is integrating XRP as a utility layer for global retail partners like Amazon and Walmart.
The Bottom Line
While Bitcoin remains the poster child for crypto, XRP is quietly becoming the backbone of institutional grade blockchain finance. With Washington now pushing forward legislation that promotes clarity, limits government overreach, and gives crypto a legitimate policy framework, XRP stands to benefit more than most.
The question now isn’t if XRP will play a role in the new digital financial system—but how big that role will be.
