Ripple CEO Shifts Timeline: CLARITY Act Expected by End of May
The goalposts just moved again, but the momentum hasn't stopped. Brad Garlinghouse is now projecting the Digital Asset Market CLARITY Act to pass the Senate by the end of May 2026.
We’ve seen this timeline shift before—initially aimed for late April—but the context is different this time. We are seeing "negotiation fatigue" set in, which in DC usually means a deal is finally being forced into its final form.
What’s Holding It Up?
The standoff isn't about whether crypto should be regulated; it's about the yield. Big banks are pushing hard for stablecoin yield restrictions to protect traditional savings accounts. Negotiators are currently grinding out the fine print on these rewards and the jurisdictional line between the SEC and CFTC.
The Bottom Line for XRP
This isn't just another bill; this is the end of "regulation by enforcement."
Institutional Floodgates: Once this passes, the legal "gray area" vanishes. Banks and institutions will finally have the federal green light to integrate XRP for settlement without looking over their shoulder at the SEC.
The Midterm Clock: The pressure is on. If they don't get this to the floor before the June recess, the 2026 midterms will likely stall legislative progress until next year.
The industry is now focused on the Senate Banking Committee. The clarity we’ve been waiting years for is finally on the horizon.
Stay disciplined. Focus on the utility and the legislative shifts.
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