MarkCrypto

The latest version of TokenPocket (iOS & Android v2.9.0 and above) has officially integrated the XRP network, giving users seamless access to the Ripple ecosystem.
This article revisits Ripple’s two-decade journey — from its early vision in 2004 to its compliance breakthrough in 2025 — and shows how TokenPocket is emerging as the ideal gateway for XRP adoption.
Two Decades of Persistence: From Vision to Global Payments
2004 – The Seed of RipplePay

Ryan Fugger introduced RipplePay, a decentralized trust network designed for peer-to-peer value exchange, aiming to bypass traditional banking inefficiencies.
2012 – The Birth of Ripple Labs & XRP

Jed McCaleb and Chris Larsen co-founded Ripple Labs (formerly OpenCoin), transforming RipplePay’s concept into a practical blockchain payment solution — with XRP at its core.
2024 – Launch of RLUSD Stablecoin

On December 10, 2024, Ripple launched RLUSD, a USD-pegged stablecoin deployed on both XRP Ledger and Ethereum. RLUSD merges XRP’s efficiency with stablecoin reliability, supporting enterprise-grade, real-time global payments.

Today, Ripple’s ecosystem powers cross-border payments, stablecoin solutions, and CBDC pilots, securing its place as a leader in blockchain-based payments.
Five Years of Regulatory Struggle: From Lawsuit to Compliance
2020 – SEC Lawsuit Filed

The U.S. SEC sued Ripple Labs in December 2020, alleging XRP sales as unregistered securities offerings worth over $1.3B. This triggered price crashes, exchange delistings, and institutional setbacks.
2023 – Key Court Ruling

In July 2023, Judge Analisa Torres ruled that XRP’s programmatic sales on exchanges were not securities, restoring market confidence and marking a turning point for Ripple.

2025 – Case Officially Closed

In April 2025, the SEC withdrew its lawsuit against Ripple Labs. CEO Brad Garlinghouse announced: “The case is closed.” XRP’s regulatory legitimacy in the U.S. was affirmed, accelerating adoption of both XRP and RLUSD in payments and CBDC initiatives.
👉 This five-year battle became a regulatory milestone, proving that decentralized digital assets can achieve compliance through persistence, legal defense, and technological maturity.
TokenPocket: The Ideal Gateway to the XRP Ecosystem

The XRP Ledger is fast, scalable, energy-efficient, and payment-optimized — proven over a decade of real-world usage.
With its latest integration, TokenPocket delivers a seamless front-end for Ripple’s expanding ecosystem, offering:
Secure Asset ManagementCross-Chain SwapsDApp Ecosystem AccessStablecoin Payments (including RLUSD)
By combining multi-chain capability, zero-fee transfers on TRON & BSC, and enterprise-grade security, TokenPocket empowers users to unlock the full potential of the XRP ecosystem.
✨ The legend of XRP continues — and TokenPocket is your best gateway to this next chapter.
👉 Create your XRP wallet today: XRP Wallet Setup Guide

👉 Download TokenPocket: tp.xyz

Since the GENIUS Act was signed into law on July 18, 2025, the U.S. has moved decisively to regulate payment stablecoins. Together with pending bills like the CLARITY Act, STABLE Act, and Anti-CBDC Surveillance Act, the U.S. is building a comprehensive governance system covering asset definitions, issuer qualifications, reserve management, compliance obligations, and inter-agency coordination.
This article analyzes these four pillars of U.S. stablecoin regulation and highlights TokenPocket’s pivotal role as infrastructure in this evolving environment.
The GENIUS Act: Federal Foundations for Stablecoins

The Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act), signed with bipartisan support, provides the first federal-level definition of “payment stablecoins” and establishes five key requirements:
Authorized Issuers – Only OCC-approved banks or regulated trust companies may issue payment stablecoins. All others are banned.Reserve & Redemption Safeguards – 100% backing in USD cash or short-term Treasuries. Emergency freeze/burn functions mandated.Transparency & Audits – Monthly reserve disclosures and audits, published by Treasury. Executives must personally attest to compliance.AML/CFT & Consumer Protection – Issuers fall under the Bank Secrecy Act, with strict compliance, consumer priority in bankruptcies, and bans on misleading marketing.Transition & Enforcement – 3-year grace period for existing issuers; Treasury retains discretion to adjust requirements.

👉 The GENIUS Act establishes clear legal definitions and enforcement authority, marking the U.S.’s first comprehensive federal framework for stablecoins.
The Complementary Bills
1. CLARITY Act – Asset Classification & Intermediary Registration

Status: Passed the House (June 2025, 294–134); pending Senate review.Focus: Resolves SEC vs. CFTC turf wars by classifying assets and creating new registration categories (DCE, DCB, DCD).Highlights:Digital commodities vs. securities based on decentralization/utility.Safe harbor exemptions for offerings <$75M.DeFi developers/validators get regulatory breathing room.Analysis: Provides long-needed legal clarity, but dual oversight raises the risk of regulatory arbitrage across jurisdictions.
2. STABLE Act – Prudential Oversight
Status: Introduced (March 2025); pending Senate review.Focus: Expands on the GENIUS Act by embedding stablecoins within Federal Reserve supervision.Highlights:Mandatory Fed registration and quarterly reserve reporting.Rehypothecation prohibited.Fed empowered to freeze accounts or halt minting for violations.Analysis: Brings stablecoins under traditional banking discipline, bolstering systemic safety — but may also increase compliance costs and slow innovation.
3. Anti-CBDC Surveillance State Act – Privacy Protections
Status: Passed the House (July 2025); pending Senate review.Focus: Prevents the Federal Reserve from issuing retail CBDCs.Highlights:Ban on direct or indirect CBDC issuance to individuals.Only wholesale settlement CBDCs permitted.Any retail CBDC project requires explicit congressional approval.Analysis: Protects privacy and preserves commercial banks’ role, but limits U.S. competitiveness in the global CBDC race.
Key Takeaways: The U.S. Regulatory Model
GENIUS Act – Defines stablecoins, enforces 100% reserves, mandates monthly audits.CLARITY Act – Establishes asset classification and intermediary registration.STABLE Act – Extends prudential oversight to stablecoin issuers.Anti-CBDC Act – Safeguards privacy by blocking retail CBDCs.
Together, these measures create a multi-layered system:
Inter-agency coordination across SEC, CFTC, OCC, Fed, and FinCEN.A balance between transparency, stability, and innovation via transition periods and safe harbors.A “rule-of-law first, market-friendly” approach designed to attract innovation and capital.
TokenPocket: Infrastructure for the Stablecoin Era

Within this tightening U.S. framework, TokenPocket stands out as the leading multichain self-custody stablecoin wallet.
1. Licensing & Compliance
Registered as a Money Services Business (MSB) with U.S. FinCEN, ensuring BSA/AML compliance.Actively pursuing additional licenses worldwide to align with global regulatory standards.
2. Seamless Cross-Chain & Zero-Fee Services
Supports 1,000+ networks including Ethereum, BSC, Solana, Arbitrum, and Polygon.Integrated cross-chain bridges and flash swaps maximize liquidity.Zero-fee transfers on TRON and BSC reduce user costs.
3. Unified Stablecoin & Multi-Asset Management
Supports all major stablecoins with built-in swaps and bridges.Unified interface for multi-chain balances, portfolios, and transaction history.
4. Enterprise-Grade Security
Fully non-custodial: private keys stored only on user devices.Security stack includes PassPhrase, multi-signature, and @KeyPalWallet hardware integration.
Conclusion
U.S. stablecoin regulation is moving from fragmented enforcement to a cohesive federal system. The GENIUS Act sets foundations; CLARITY defines classifications; STABLE ensures prudential oversight; and the Anti-CBDC Act protects privacy.
As regulation matures, TokenPocket provides the optimal infrastructure for both users and enterprises — combining regulatory compliance, cross-chain flexibility, zero-fee efficiency, and enterprise-grade security.

🔗 Download TokenPocket today: tp.xyz

Degvielas nodrošināts Degens. Veidots TRON.
Pēc 1. kārtas satraukuma, TokenPocket un SunPump atkal sadarbojas, lai kopienai sniegtu vēl vienu episku tirdzniecības sacensību! Šī kārta uzliesmos TRON, turpinot darbināt sacensību ar tīru meme enerģiju.
📅 Pasākuma periods
20. augusts, 17:00, 2025 — 27. augusts, 17:00, 2025 (UTC+8)
🚀 Kā piedalīties
Savienojiet savu TokenPocket maku ar SunPumpmeme un tirgojiet memecoinus. (Lūdzu, pabeidziet tirdzniecības uzdevumu, izmantojot TokenPocket mobilā lietotne vai Chrome paplašinājuma maku.)