“XRP would finally have a green light with Clarity Law”

A bill in the US Congress enlivens the debate on the future of XRP. While some enthusiasts see a clear route for classification as Commodityothers warn that decentralization tests could be an unsurpassed obstacle to Ripple’s Token.

The legislative piece called Law for the Clarity of Payment Assets (Clarity Act), approved by the House of Representatives on July 17, 2025 and pending review in the Senate, seeks establish a clear regulatory framework to determine if digital assets are values (under the jurisdiction of the SEC) or Commodities (under the CFTC).

Optimism crystallized through a message posted by the user Xaif_cryptowho suggested that the law could be the “green light” that XRP has been waiting. This vision is shared by others, such as the user Dewmboomwho said: «If you do not have XRP, in my opinion, it is important to acquire some before the approval of the Clarity Law. Before that, the SEC (Bag and Securities Commission) will completely dismiss the case against Ripple, and that is also another bullish sign.

The basis of this hope lies in the possibility that the law grants XRP as a Commodity o Basic digital product, putting it under the jurisdiction of the Basic Product Future Negotiation Commission (CFTC), an entity with a regulatory approach generally considered lighter than that of the SEC.

For assets such as Bitcoin, whose decentralization is widely recognized, this path seems almost certain. But for XRP, the story is much more complex. The debate is not new and The legal battle between Ripple Labs and the SEC It serves as a test field for the arguments of both sides.

The user Davfish88 Defend the posture Pro-commodityarguing: «Do you know that XRP did not have an ICO (initial currency offer)? Why would they label it as a value? I don’t think it happens. As soon as Clarity Law is approved, it will remain under the jurisdiction of the CFTC, in my opinion ». Then, he reaffirmed his conviction: «Time will tell us. I think XRP will be labeled as a commodity. And it will happen this year, 2025 ».

An obstacle on the road

However, not everyone shares this optimism. This is due to the decentralization test that would demand the draft Clautionin the event that President Donald Trump is approved in Congress.

The X user, OXXYY13 It offers another perspective. For him, XRP faces his greatest challenge: «Solana and XRP, among others, run the risk of failing due to centralized control of validators or tokens. (…) XRP faces similar problems with Ripple control over the tokens supply ».

This criticism coincides with the argument of the Spanish financial analyst José Luis Cava, who is overwhelming in this regard, affirming Although “XRP is a technically complete network, the market price is controlled by a single entity.”

The central problem, according to Cava, is the supply of XRP. This, created with 100 billion pre -printed tokens, on which Ripple Labs still has about 42% of the total. Much of this sum is in a guarantee deposit accounts (Escrow), from where they are released to one billion XRP monthly. “The fact that only one entity can control the offer contradicts the basic principle of the digital asset market that the decentralization seeks,” Cava explained.

This point is repeated by skeptical voices in the community, such as Chad Collinswho was direct when pointing out that “the Ripple company has the vast majority of tokens, it is not decentralized at all.” He believes that the reason why the judicial case is not still resolved is because it will be labeled as a value. “Only wait, XRP is a complete trap for retailers and is working,” he added.

To all this we must add the opinion of some members of the Bitcoin community, who point out that “XRP is a CBDC disguised as cryptocurrency.”

XRP operates like a hybrid cryptocurrency. It means that it works both in the XRP LEDger (XRPL), a relatively decentralized public network, as on private platforms such as Ripple CBDC Private Ledger and Ripple Payments, used by banks and financial entities to maintain exclusive control over payment flows.

This duality allows XRP is a means of change in distributed and private systemsbut it can generate fragmentation, since not all transactions are publicly auditable, which could hide part of the XRP supply behavior if synchronization with the public registry is not guaranteed.

A greater benefit

However, there are others in the community that set their gaze on the Ripple ecosystem and not so much in the XRP value. The user comments on this Max Avery: “Ripple is building a robust ecosystem.”

The context added the analyst Nico Cabrerawho talks about Ripple’s strategy. The company requested a national bank license before the Office of the Comptroller of La Moneda (OCC) and an Fed Master Account through Standard Custody, a company under its control.

The banking license would allow Ripple to operate as a regulated bank at the federal level, which would generate greater confidence between institutions and governments, enable the offer of advanced financial products and position its stablecoin, RLUSD, as an option against competitors such as USDC and USDT.

The Fed Master Account would grant Ripple direct access to the Federal Reserve to store RLUSD reserves, eliminating risks associated with intermediary banks and consolidating RLUSD as a maximum security stablocoin, with potential to be seen as a attractive public-private solution for the US government.

Nico Cabrera, analyst on the Ripple ecosystem.

So based on these strategic movements, they not only strengthen RLUSD’s position in the growing Stablecoins market, valued at 250,000 million, but could also indirectly boost the value of XRP.

Therefore, based on this analysis, Ripple would obtain benefits of Clarity Law, but more impeding of the genius law that was already signed by President Trump.

For XRP, Clarity Law is more critical, since it would resolve the legal issues that have affected its adoption. And greater potential to boost the value and adoption of long -term XRP.

In the short term, Genius Act could be more relevant to the institutional ambitions of Ripple.