Crypto Market Cap Surges Toward $4 Trillion Milestone as Congress Greenlights Three Game-Changing Bills

Wall Street's old guard won't like this one bit.

The crypto market isn't just knocking on the door of mainstream finance—it's kicking it down. With total market capitalization racing toward $4 trillion, digital assets just got their biggest legitimacy boost yet from Washington.

Three bills. One seismic shift.

Congress just handed crypto its 'we belong here' moment with a legislative trifecta that'll have traditional finance clutching its pearls. The bills—covering everything from clear regulatory frameworks to institutional adoption pathways—effectively roll out the red carpet for mass adoption.

Meanwhile, over at the SEC... Let's just say Gary Gensler's printer is running out of ink for all those 'How to Regulate Crypto' PowerPoints he'll need to scrap now.

This isn't just growth—it's an inflection point. The $4 trillion marker isn't a question of 'if' anymore. The only question is which dinosaur financial institution will be last to admit they missed the boat.

TLDR

• Crypto market cap reaches $3.8-3.9 trillion, approaching $4 trillion milestone after Bitcoin, Ether, and XRP surge
• Three crypto bills passed in US House before August recess, driving market gains
• Ether jumped 8% to top $3,600 for first time since January, gaining 40% over two weeks
• XRP skyrocketed 20% to yearly high of $3.64, nearing $200B market cap for first time
• $4 trillion crypto market cap would place it just behind Nvidia at $4.2 trillion valuation

The cryptocurrency market is closing in on a $4 trillion valuation as major digital assets surge following regulatory developments in the United States. Bitcoin, Ether, and XRP have all posted strong gains this week.

Total crypto market capitalization reached between $3.8 trillion and $3.9 trillion across different tracking platforms. Binance-owned CoinMarketCap shows peak figures at $3.8 trillion, while TradingView reports $3.9 trillion.

These numbers surpass the previous record of $3.73 trillion set in December. Some tracking services like CoinGecko already show the market has crossed the $4 trillion threshold.

JUST IN: The total crypto market cap has hit a new ATH of $4T. pic.twitter.com/gE8hRFegwz

— CoinGecko (@coingecko) July 18, 2025

A $4 trillion crypto market cap would place the sector just behind Nvidia, currently the world’s largest publicly-listed company at $4.2 trillion. Nvidia first crossed the $4 trillion mark on July 9.

Bitcoin topped $120,000 again on Thursday with modest daily gains. The leading cryptocurrency has maintained its position above this level after recent volatility.

Ether emerged as a major driver of market gains this week. The second-largest cryptocurrency by market cap ROSE 8% to exceed $3,600 for the first time since early January.

This represents a 40% gain for Ether over the past two weeks. The rally has brought renewed attention to the ethereum network and its native token.

Congressional Action Boosts Market Sentiment

The US House of Representatives passed three key cryptocurrency bills ahead of the August recess. This legislative action has provided a boost to market sentiment across the crypto sector.

XRP posted the strongest gains among major cryptocurrencies this week. The Ripple-associated token skyrocketed almost 20% in a single day to reach $3.64 in early Friday trading.

This price level represents a year-to-date high for XRP. The token is approaching a $200 billion market cap for the first time in its history.

Industry analysts point to regulatory clarity as a key factor driving current market performance. The passage of crypto-friendly legislation has reduced uncertainty for traders and institutional investors.

Nick Ruck, director at LVRG Research, said traders are responding to regulatory and institutional support. He expressed Optimism that growth will continue as institutions advance their crypto integration efforts.

Institutional Interest Grows

Nassar Al Achkar, chief strategy officer at CoinW crypto exchange, highlighted the risk-on trading environment. He attributed the surge to bullish regulatory and institutional developments affecting Bitcoin and other cryptocurrencies.

The GENIUS Act passage and potential changes to US retirement investment rules could unlock institutional capital. These developments may allow trillions in retirement funds to access crypto investments.

Market participants are monitoring how these regulatory changes will affect long-term institutional adoption. The current rally reflects growing confidence in crypto’s regulatory environment.

Trading volumes have increased across major exchanges as the market cap approaches the $4 trillion milestone. This level of activity suggests sustained interest from both retail and institutional participants.

XRP reached a year-to-date high of $3.64 in early Friday trading, with the token approaching a $200 billion market cap milestone.