Will XRP Be Treated Like Bitcoin and Ethereum Under the Clarity Act?

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An important part of the Digital Asset Market Clarity Act could change how major cryptocurrencies are treated in the United States. According to reporting by Eleanor Terrett, the bill may place XRP in the same regulatory category as Bitcoin and Ethereum, under certain conditions.

What the Bill Says in Simple Terms

The Clarity Act includes a section that looks at whether a crypto token is the main asset behind an exchange traded product, such as an ETF, by January 1, 2026. If a token meets this condition and the product is listed on a registered U.S. exchange, that token would not need to follow some of the extra disclosure rules applied to other digital assets.

In practical terms, this means XRP, along with Solana, Litecoin, Hedera, Dogecoin, and Chainlink, could be treated the same way as Bitcoin and Ethereum from day one.

Why This Matters for XRP

For years, XRP has faced regulatory uncertainty in the U.S. If the Clarity Act passes it would place it firmly in the same regulatory bucket as Bitcoin and Ethereum.

The bill also states that if a U.S. court has already ruled that a digital asset transaction was not a securities sale, that asset cannot later be treated as a security under this law.

Not Automatic, But Significant

It is important to note that this treatment depends on real conditions being met by 2026, including ETF status. The bill also preserves the authority of the U.S. Securities and Exchange Commission to grant exemptions and write detailed rules.

Still, legal experts say this language is one of the clearest signs yet that lawmakers are trying to move away from case by case enforcement and toward a more predictable system.

If passed, the Clarity Act could mark a major shift in how XRP and other large cryptocurrencies are regulated in the United States, potentially putting them on equal footing with Bitcoin and Ethereum for the first time.