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XRP surged 6% after the House advanced the GENIUS Act, reviving momentum for US crypto regulation.
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Ripple’s RLUSD stablecoin aligns with GENIUS requirements, strengthening XRP’s role in regulated liquidity flows.
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XRPL’s native stablecoin support and low-cost transactions position XRP as a core asset for cross-stablecoin settlement.
XRP rallies 6% as the US House advances the GENIUS Act, boosting Ripple’s RLUSD stablecoin and enhancing XRP’s role in regulated liquidity flows.
GENIUS Act Aligns With Ripple’s RLUSD Roadmap
The GENIUS Act proposes a comprehensive federal framework for stablecoins, mandating full reserve backing, regular audits, and licensing of issuers by US regulatory bodies. Ripple has proactively aligned its RLUSD stablecoin with these requirements, positioning itself ahead of potential legislation. The company’s application for a national trust bank charter and a Federal Reserve master account underscores its commitment to regulatory compliance. Additionally, Ripple’s partnership with BNY Mellon as the official custodian for RLUSD reserves—comprising US Treasuries, cash, and money market funds—further solidifies its readiness for a regulated stablecoin environment. Should the GENIUS Act pass, RLUSD could become one of the first federally compliant stablecoins, granting Ripple a significant first-mover advantage in the regulated stablecoin market. This regulatory alignment enhances XRP’s utility as a liquidity bridge between compliant digital assets.
XRP Price Positioned to Benefit from RLUSD Growth
XRP is integral to Ripple’s liquidity solutions, facilitating real-time foreign exchange swaps and stablecoin conversions on the XRP Ledger. As RLUSD adoption expands under the GENIUS Act’s regulatory clarity, on-chain stablecoin activity is expected to increase, driving demand for XRP. The bill’s reassignment of regulatory oversight from the SEC to the Treasury and the Office of the Comptroller of the Currency (OCC) reduces legal uncertainties surrounding XRP, reinforcing its status as a utility token rather than a security. This shift has bolstered institutional confidence, reflected in XRP’s recent price rally. Investors are increasingly viewing the GENIUS Act as a pivotal development for Ripple’s regulatory environment and market positioning.
| Impact Area | Ripple Benefit | XRP Impact |
| Legal clarity | RLUSD qualifies as a compliant stablecoin | Supports XRP’s bridge utility |
| Market infrastructure | Fed master account + BNY Mellon custody | Increases institutional trust |
| Regulatory narrative | SEC influence reduced | Favors XRP’s legal outlook |
| Liquidity flows | Stablecoin ↔ FX ↔ stablecoin on XRPL | Drives XRP utility and price |
| Investor confidence | Policy + price momentum | XRP nears all-time high amid bullish setup |
Conclusion
The advancement of the GENIUS Act represents a significant milestone for Ripple and the broader stablecoin ecosystem. By establishing a clear regulatory framework, the bill enhances the legal foundation for RLUSD and strengthens XRP’s role as a critical liquidity bridge within regulated markets. With institutional trust rising and on-chain activity poised to grow, XRP is well-positioned to capitalize on this momentum. As the bill moves toward a floor vote, market participants should closely monitor XRP’s price action and Ripple’s strategic developments, which could signal a new phase of growth and regulatory clarity for the crypto sector.
