Ripple CEO Predicts 90% Chance of CLARITY Act Passing by April 2026

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<a href="https://minority-mindset.com/xrp-usd/">Ripple</a> CEO Says CLARITY Act Has 90% Chance of Passing by April

Key Takeaways

  • Ripple CEO sees a 90% chance the CLARITY Act passes by April.
  • March 1 is the key deadline to resolve stablecoin yield disputes.
  • Banks oppose yield on stablecoins over deposit flight concerns.
  • Passage could clarify U.S. crypto rules and boost institutional adoption.

The executive believes there’s a very high chance – around 90% – that the bill will be signed into law by April 2026. This is a more optimistic outlook than current predictions from most forecasting sources.

The new bill, officially known as H.R. 3633, aims to clarify rules for digital assets in the U.S., which have been unclear for years. It passed the House of Representatives with support from both Democrats and Republicans in the middle of 2025 and recently moved forward in the Senate Agriculture Committee. Now, lawmakers are working to finalize the details in Washington.

White House Deadline Puts Pressure on Talks

Negotiations are now focused on a March 1st deadline set by the White House. While meetings held on February 19th between government officials, crypto industry leaders, and banking groups were productive, they didn’t result in a final deal.

The main issue currently being debated is how much interest, if any, stablecoins should be allowed to earn. The government seems determined to prevent stablecoins from offering high returns, fearing people will move their money out of traditional banks and into stablecoins. Bank industry groups estimate that as much as $500 billion could leave the banking system by 2028 if stablecoins start offering attractive interest rates.

Currently, those involved in talks are looking at ways to reward activity, like completed transactions, instead of just holding funds. However, large banks are still hesitant, as they worry this could create issues with their finances and ability to fund operations.

Legislative Window Is Narrow

If negotiators can agree on a deal before March 1st, the Senate is likely to hold a debate on it this spring. Treasury officials have also emphasized that time is running out before the midterm elections, making it crucial to reach a solution quickly.

If lawmakers don’t reach an agreement by the deadline, the bill will likely fail this year and have to be completely reintroduced and debated again later.

Brad Garlinghouse is more optimistic than most experts about the chances of new crypto legislation passing this year. He believes there’s a 90% chance it will happen, while current estimates are closer to 75-80%. This positive outlook is likely due to increased collaboration between cryptocurrency companies, traditional financial institutions, and government officials.

Impact on XRP and Institutional Adoption

This new bill establishes a clear system for determining which digital assets the CFTC and SEC will regulate. For Ripple, the outcome is very important. If their token is classified as a commodity, it would make it much easier for U.S. banks and other institutions to work with them, reducing regulatory hurdles.

Experts believe clear rules from the government could allow for greater involvement of these assets within the traditional U.S. banking system. Current estimates predict prices could rise modestly – into the mid-single digits – if properly regulated, but some forecasts are much more optimistic, depending on how widely banks adopt them.

Ripple has been preparing for changes in the market, having invested almost $3 billion in new companies since 2023. According to CEO Brad Garlinghouse, the company will likely pause making large acquisitions for a while to focus on successfully combining these recent purchases, especially as they await potential positive news from regulators.

The CLARITY Act faces a critical decision point with the White House deadline fast approaching, and its outcome could significantly change the future of cryptocurrency in the U.S.



This article is for informational purposes only and shouldn’t be considered financial, investment, or trading advice. Coindoo.com doesn’t support or suggest any particular investment or cryptocurrency. Always do your own research and talk to a qualified financial advisor before investing.

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2026-02-22 09:46