XRP increased by over 6% today after the US House of Representatives voted to pass the GENIUS Act and CLARITY Act stablecoin bills. This price surge pushed XRP nearly 9% closer to its All-Time-High, as the altcoin continues its strongest movements in recent months.
Ripple's ecosystem could directly benefit from the passage of this bill. The company has positioned its RLUSD stablecoin to comply with the proposed regulations in the GENIUS Act.
GENIUS Act Aligns with Ripple's RLUSD Roadmap
The GENIUS Act creates a federal legal framework for stablecoins. It requires full reserves, regular audits, and licensing for issuers through US regulatory agencies.
Ripple has taken steps to meet these requirements. The company has submitted an application for a national trust bank license and a primary account with the Federal Reserve.
The company also announced BNY Mellon as the official Custodian for RLUSD reserves. The assets include US Government Bonds, cash, and money market funds.
If GENIUS is passed, Ripple's RLUSD could quickly qualify as a federally compliant stablecoin. This would give Ripple a pioneering advantage in issuing regulated stablecoins.
This makes XRP more useful as a liquidation bridge between managed assets.
XRP price chart after the House passed the GENIUS Act. Source: BeInCryptoXRP Price Positioned to Benefit from RLUSD Growth
XRP plays a core role in Ripple's liquidation products. As RLUSD acceptance increases, XRP can support real-time foreign exchange swaps and stablecoin conversions.
Ripple has supported stablecoin operations on the XRP Ledger. The GENIUS Act could increase on-chain volume, further driving XRP demand.
Today's procedural victory also reduces SEC's influence. The GENIUS Act transfers supervisory powers to the Treasury Department and OCC, bypassing the SEC's power.
This change promotes XRP's story as a utility Token, not a security.
Institutional confidence is rising. XRP's latest price surge shows investors view GENIUS as a turning point for Ripple's regulatory clarity.
| Impact Area | Benefits for Ripple | Impact on XRP |
| Legal Clarity | RLUSD qualifies as compliant stablecoin | Supports XRP's bridge utility |
| Market Infrastructure | Fed primary account + BNY Mellon Custodian | Increases institutional trust |
| Regulatory Narrative | Reduced SEC influence | Prioritizes XRP's legal prospects |
| Liquidation Flow | Stablecoin  FX stablecoin on XRPL | Drives XRP utility and price |
| Investor Confidence | Policy + Price Momentum | XRP near ATH amid price surge |
In summary, the GENIUS Act promotes Ripple's stablecoin and banking strategy. It consolidates the legal foundation of RLUSD and opens doors for managed expansion.
As a result, XRP gains momentum from both legal clarity and increasing on-chain utility. With an expected floor vote this week, XRP may soon test its All-Time-High.
