Why XRP Will Succeed Even If the Clarity Act Dies In Congress

The crypto industry is watching the CLARITY Act stall in the Senate, and some legal experts are predicting it may not pass at all. For most digital assets, that is a serious problem. Crypto expert Dr. Kamilah Stevenson says XRP is a different case entirely.

What the CLARITY Act Is

The Digital Asset Market Clarity Act of 2025 passed the House in July 2025. It establishes a federal regulatory framework for digital assets, assigning commodities to CFTC oversight and securities to the SEC.

The Senate Banking Committee has yet to schedule a markup vote. Senator Bernie Moreno has warned that failure to advance the bill by the end of May could shelve it till further notice.

Why Stevenson Says XRP Stands Apart

Stevenson posted a direct message to XRP holders watching the legislative uncertainty. She made her position clear: “XRP does not need the Clarity Act.” Her reasoning centers on what XRP has already secured through the courts and regulators.

A federal judge ruled that XRP itself is not a security. The SEC and CFTC then released joint guidance in March that specifically named XRP as a commodity token. These two developments, Stevenson argues, give XRP something the CLARITY Act would otherwise provide.

“They did not have to do that,” she said of the regulators. “They chose to.” She addressed the legal commentary, stating, “When these lawyers say the CLARITY Act probably will not pass, that hurts the broader crypto industry. It does not change anything about XRP.”

The Infrastructure Already Moving

Stevenson pointed to real-world adoption already in progress. Ripple Prime operates inside DTCC clearing operations. Société Générale placed its regulated Eurostablecoin on the XRP Ledger.

South Korea piloted the first tokenized government bond settlement using Ripple. Japan ran live production payments at 60% cheaper than SWIFT. None of those developments depend on the CLARITY Act, and they are all live and active now.

What this Means for Holders

Stevenson’s message targets XRP holders who expected the CLARITY Act to serve as the primary catalyst. Her position is that the regulatory foundation XRP needed was built through litigation and administrative action, not legislation.

Ripple CEO Brad Garlinghouse made similar comments at the recent conference in Las Vegas, reminding the community that XRP already has regulatory clarity.

The court ruling and the joint SEC/CFTC guidance are permanent on record. Institutional adoption is proceeding on that foundation. The CLARITY Act still matters for the crypto industry as a whole. Passage would lock XRP’s commodity status into federal statute, making it resistant to future regulatory reversal.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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