$XRP Ripple CEO Brad Garlinghouse delivered a major update on the CLARITY Act, hinting at progress in U.S. crypto legislation.
The CEO’s comments were highlighted in a video shared by crypto commentator BankXRP (@BankXRP). The post quickly gained attention within the XRP community.
Speaking on when the Act would pass, Garlinghouse said, “I predict by the end of May, we’ll get something across.” He added that negotiations often move when stakeholders are exhausted, signaling that lawmakers may finally be ready to act.
✨Understanding the CLARITY Act
The CLARITY Act aims to define rules for digital assets. It separates tokens into categories, distinguishing securities from payment-focused assets. The law is designed to give companies and financial institutions legal certainty.
For XRP, this distinction is critical. Ripple has consistently argued that XRP is a digital asset for payments, not an investment security, and the court has supported this stance, ruling that XRP is not a security. Recognition as a commodity under the CLARITY Act would further reinforce XRP’s regulatory clarity and allow Ripple to operate with reduced legal risk.
✨Benefits for Ripple and XRP
Clear regulations would make XRP more accessible to banks and institutions. They could integrate XRP into cross-border transactions and liquidity management without fear of enforcement. The law would also support settlement systems, including pre-funded ACH and RLUSD, by providing a legal framework for digital asset use in regulated finance.
Garlinghouse previously suggested the CLARITY Act could pass in April, referencing prediction markets. However, this interview provides a more concrete timeline. If it passes, institutional adoption could accelerate. Legal certainty reduces friction for financial operations, making XRP a more practical tool for payments and settlements.
✨Timing and Industry Momentum
Garlinghouse highlighted that stakeholders’ exhaustion could drive compromise. Lawmakers, regulators, and industry participants have faced intense pressure.
While the Act initially faced some backlash, with Coinbase even pulling its support, the crypto industry now seems closer to a compromise. According to Garlinghouse, reaching a point of shared fatigue may create the conditions necessary to finalize the law.
The predicted end-of-May timeframe offers a clear milestone for the industry. Legal clarity benefits more than just Ripple. It provides certainty for market participants and reduces ambiguity around taxation and compliance.
XRP holders and investors are watching closely. Passage of the CLARITY Act could create a favorable environment for XRP’s growth and institutional integration.
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