XRP Poised for Regulatory Breakthrough as U.S. Crypto Bill Nears Passage

In a significant development for the cryptocurrency industry, Ripple CEO Brad Garlinghouse has expressed strong Optimism regarding the passage of crucial U.S. cryptocurrency legislation. Speaking on February 21, 2026, Garlinghouse raised the probability of the U.S. CLARITY Act passing by the end of April to 90%, citing rapidly accelerating momentum among lawmakers in Washington. This marks a substantial increase in confidence from previous estimates and signals a potential watershed moment for digital asset regulation in the United States. The CLARITY Act, which successfully cleared the House of Representatives in July 2025 with notable bipartisan support, had encountered obstacles in the Senate primarily due to jurisdictional disputes between various congressional committees and regulatory bodies. However, a critical deadline set by the White House for March 1, 2026, specifically concerning stablecoin regulatory provisions, appears to be acting as a catalyst to break the legislative deadlock. This deadline is creating urgent pressure for senators to reconcile their differences and move the comprehensive bill forward. For XRP and Ripple, the passage of this legislation carries profound implications. The CLARITY Act is designed to provide much-needed regulatory clarity for digital assets, distinguishing between securities and commodities and establishing clear guidelines for cryptocurrency exchanges and issuers. Ripple has been engaged in a protracted legal battle with the U.S. Securities and Exchange Commission (SEC) over the classification of XRP. A favorable regulatory framework would not only potentially resolve this longstanding litigation but also legitimize XRP's status in the American market, paving the way for broader institutional adoption. Market analysts suggest that regulatory certainty is the single largest factor currently suppressing XRP's price potential. The removal of this overhang could trigger a substantial revaluation. Institutional investors, particularly in the financial services sector, have been hesitant to engage with XRP amidst the regulatory ambiguity. Clear rules would enable banks and payment providers to confidently integrate Ripple's On-Demand Liquidity (ODL) solution, which uses XRP as a bridge currency for cross-border settlements, thereby driving real utility and demand. Furthermore, passage by April would coincide with a period of heightened market activity and could position XRP favorably ahead of the next anticipated bull cycle. The combination of regulatory validation, increased utility, and positive market sentiment could create a powerful upward price catalyst. While Garlinghouse did not specify a price target, the consensus among bullish practitioners is that resolving the U.S. regulatory environment removes the primary barrier to XRP achieving price levels reflective of its adoption and technological use case. The next two months are therefore critical, potentially marking the end of a long period of regulatory uncertainty and the beginning of a new chapter of growth for XRP and the broader digital asset ecosystem in the United States.

Ripple CEO Predicts 90% Chance U.S. Crypto Bill Passes by April – What It Means for XRP Price

Ripple CEO Brad Garlinghouse has raised the probability of the U.S. CLARITY Act passing by the end of April to 90%, citing accelerating momentum in Washington. The bill, which cleared the House in July 2025 with bipartisan support, had stalled in the Senate over jurisdictional disputes. A March 1 deadline set by the WHITE House for stablecoin provisions could break the deadlock.

Passage WOULD provide institutional investors with the regulatory clarity needed to enter crypto markets at scale. The legislation delineates oversight roles for the CFTC and SEC, removing legal ambiguities that have hindered utility tokens like XRP. Garlinghouse noted corporate treasurers are already exploring stablecoin adoption, signaling growing mainstream acceptance.

Ripple CEO Foresees Regulatory Breakthrough for Crypto as CLARITY Act Gains Momentum

Ripple CEO Brad Garlinghouse has positioned the CLARITY Act as a pivotal development for cryptocurrency regulation, predicting a 90% likelihood of passage by late April during a Fox News appearance. His optimism stems from shifting political dynamics in Washington, including White House engagement with industry leaders. Garlinghouse framed the legislation—despite imperfections—as necessary progress for an industry currently navigating regulatory ambiguity through enforcement actions.

The CEO drew parallels between Ripple's own legal battles and the broader sector's need for clarity, particularly emphasizing XRP's unique position as the only cryptocurrency with legal recognition as a non-security asset. His comments reflect growing institutional confidence that regulatory certainty could unlock the next phase of crypto market growth.

XRP Price Hangs on Critical Support Amid Market Volatility

XRP teeters at $1.41, testing a make-or-break support level that has held since late 2024. Crypto analyst Hov notes the altcoin's diagonal pattern remains technically valid—but barely. One more drop could invalidate the setup.

The chart shows a history of violent swings, with Elliott Wave labels tracing back to 2018. Current price action suggests a 'sideways combo correction' within a larger fourth wave structure. Traders await the next decisive MOVE to confirm whether this marks the end of XRP's prolonged consolidation or the start of fresh downside.

Market veterans watch the $0.42-$1.41 band—where multiple reversals have occurred—as the key zone determining XRP's medium-term trajectory. The token's ability to hold here could set the stage for a bullish continuation, while failure may trigger another leg down.

Ripple's White House Invitation Sparks Speculation on US Government's Stance Toward XRP

Ripple's chief legal officer Stuart Alderoty has been invited to a high-stakes White House meeting on stablecoin regulation, alongside representatives from Coinbase and a16z. The discussion centers on whether stablecoin issuers should be permitted to pass interest earned on reserves directly to users—a debate that has stalled crypto legislation in the Senate.

Traditional banks are vehemently opposing yield-bearing stablecoins, fearing deposit outflows and weakened lending capacity. Crypto advocates argue that allowing yields benefits consumers and keeps innovation onshore. Ripple's inclusion signals policymakers' willingness to engage major industry players as regulatory frameworks take shape.

While this doesn't imply direct US government endorsement of XRP, it suggests accelerating progress toward clarity for digital assets. The market watches closely—bank resistance to crypto's disruptive potential speaks volumes about its growing influence.