Ripple CEO Brad Garlinghouse says there is a 90% chance the US CLARITY Act will be passed by the end of April. If this happens, years of regulatory gray area in crypto could finally close.
Garlinghouse noted serious momentum building in Washington after months of delays in the Senate.
Lawmakers are working to get a March 1 negotiation deadline set by the White House. If the bill is approved, it would give institutions the clear legal definitions they have been waiting for before potentially entering the cash markets.
Key takeaways
The signal: Garlinghouse increases the probability of passage to 90% by April, beating market estimates.
The timeline: The White House is targeting March 1 for a final deal on stablecoin arrangements.
The impact: Sets clear pathways for CFTC and SEC oversight, eliminating headwinds for utility tokens.
Why is the Clarity Act happening now?
The Digital Asset Market Clarity Act, HR 3633, is at a turning point.
The House already passed it in July 2025 with a strong bipartisan vote of 294 to 134. But the Senate has curbed jurisdictional disputes. This is where things got stuck.
Today, the momentum seems different. Garlinghouse says further meetings with banking executives and crypto officials helped resolve the blockage.
Regulators also seem ready. After the Senate Agriculture Committee proposed a related plan on January 29, SEC Chairman Paul Atkins said the SEC and CFTC are coordinating through “Project Crypto.”
The industry can no longer function through enforcement alone. He wants rules.
Shattering the odds of the American Clarity Act
Garlinghouse’s 90% odds are even more optimistic than the market.
Forecast markets put the bill at around 78% by the end of the year, making the end of April ambitious. Yet he presented it as a necessary measure.
The main sticking point is stablecoins. Lawmakers are questioning whether platforms can offer yield-type incentives. This issue already slowed Senate discussions on banks earlier this year.
While Washington debates, Ripple is not waiting. Since 2023, it has deployed $3 billion in acquisitions to strengthen custody and treasury infrastructure.
What does this mean for XRP price?
For XRP traders, real legislation is the last box to check.
Ripple has already won a court ruling that XRP is not a security. But a federal law would guarantee this status. This kind of clarity could open the door to large-scale institutions.
Garlinghouse said corporate treasurers are interested in stablecoins and cross-border payments. The interest is there. What they need are federal safeguards before moving significant capital.
If April delivers, we could see a rapid rotation into large caps, which would be really helpful, especially if it aligns with the current market downturn.
Discover: Here are the cryptos likely to explode!
The post Ripple CEO Predicts There’s a 90% Chance US Crypto Bill Will Be Passed by April – What This Means for XRP Price appeared first on Cryptonews.
