Trump's “Big, Beautiful Bill” Clears Congress—XRP Stands to Gain Amid Regulatory Shifts
- Samantha
- Jul 4
- 2 min read
Washington D.C., July 4, 2025 — In a historic move ahead of Independence Day, the U.S. Congress officially passed the One Big Beautiful Bill Act (OBBBA)—a sweeping $5 trillion domestic policy overhaul championed by former President Donald Trump. Touted as a "declaration of economic independence," the bill now awaits Trump’s signature later today, marking the most significant shift in U.S. fiscal policy in over a decade.
But beyond the headlines about tax cuts, border funding, and healthcare rollbacks—one silent winner might just be crypto, especially XRP.
What's in the Bill?
Permanently extends 2017 Trump-era tax cuts
Creates “Trump Accounts”: tax-deferred savings for families
Rolls back Biden-era clean energy incentives
Slashes Medicaid and SNAP, adding work requirements
Injects $300B+ into border security and military
Raises the debt ceiling by $5 trillion
The bill passed the Senate 51–50, with Vice President J.D. Vance casting the tie-breaking vote, and then cleared the House 218–214, despite fierce Democratic opposition.
XRP Could Benefit from Deregulation Winds
While the bill doesn't directly legislate on cryptocurrency, the underlying fiscal and regulatory shifts favor Ripple Labs and XRP’s long-term positioning:
1. Pro-Growth, Pro-Market Environment
The bill reinforces the Trump administration’s broader deregulatory stance. Crypto analysts believe this will:
Create a favorable environment for blockchain adoption,
Reduce bureaucratic resistance to crypto payment frameworks like the XRP Ledger, and
Accelerate real-world asset tokenization efforts.
2. Federal Support for Alternative Financial Infrastructure
With the government increasing debt and cutting entitlement spending, fintech and DeFi solutions may gain more relevance among institutions and consumers alike. XRP's speed, low cost, and cross-border utility make it a strong candidate for future integrations, especially in government-related pilot programs.
3. SEC Pressure Shift
The new administration's relationship with the SEC continues to evolve. Legal experts argue that ongoing XRP-related enforcement actions could be deprioritized or dropped entirely as Trump’s pro-crypto allies gain more control over federal agencies. Recent rumors even suggest a push to categorize XRP as a utility token, providing full regulatory clarity.
Analyst Quote:
“The One Big Beautiful Bill may be the clearest signal yet that the U.S. is ready to pivot toward innovation-led growth. If that’s the case, XRP is no longer just a crypto token—it’s a foundational bridge for the future financial system.”
Market Reaction:
Following the bill's passage:
XRP surged 4.2%, trading above $0.88 for the first time since early May.
Ripple-related tokens, including CTF Token, saw increased trading volume as investors speculate on broader adoption within the new economic framework.
Final Word
While critics call the bill a “death sentence” for the poor and a gift to the rich, markets appear optimistic about its pro-business impact. For XRP holders, this moment could mark a new chapter—where blockchain isn’t just tolerated but empowered by federal policy.
Stay tuned as President Trump signs the bill into law later today—potentially declaring July 4 not only a celebration of freedom but also of financial innovation.
