Pundit Explains Why XRP and RLUSD Will Win Regardless of U.S. Crypto Bills' Outcome

The U.S. government may be slowing its march toward regulating digital assets, but Ripple is forging ahead with its global expansion and efforts in other countries

According to prominent crypto analyst JackTheRippler, Ripple’s XRP and its dollar-backed stablecoin RLUSD are uniquely positioned to win, regardless how Washington decides to regulate or restrict crypto and central bank digital currencies (CBDCs).

U.S. Crypto Legislation Hits a Wall

On July 15, the U.S. House of Representatives voted down a key procedural resolution that would have advanced three major crypto-focused bills: the GENIUS Act (focused on stablecoin regulation), the CLARITY Act (aimed at defining market structure), and the Anti‑CBDC Surveillance State Act (which would prohibit the Federal Reserve from issuing a retail CBDC).

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The resolution failed with a 196–223 vote, with 13 Republicans siding with Democrats to block it. This setback puts a temporary hold on what’s been called “Crypto Week” in Congress, a push for significant regulatory advancements that was expected to move the needle on crypto legislation.

The GENIUS Act has already gained strong bipartisan support in the Senate, and the Clarity Act is gaining traction. However, the Anti-CBDC Act remains a contentious issue, sparking debate and division. Critics argue that banning retail CBDCs could halt innovation, while supporters cite surveillance concerns as justification for the restriction.

Ripple Moves Forward While Congress Stalls

Despite the uncertainty in the U.S. legislative landscape, Ripple is pressing ahead. JackTheRippler points out that Ripple already offers a purpose-built platform for issuing CBDCs, technology that is not just theoretical, but actively in use.

Countries including Palau, Bhutan, Montenegro, and Colombia are already running pilot programs on Ripple’s CBDC infrastructure. This gives Ripple a first-mover advantage and real-world credibility that U.S. lawmakers have yet to match with any domestic initiative.

Ripple’s lead in this area reinforces JackTheRippler’s argument: regardless of whether the U.S. bans CBDCs or eventually embraces them, Ripple is already solving the problems policymakers are still debating.

RLUSD: A Private-Sector Stablecoin Built for Utility

Ripple’s 2024 launch of RLUSD, a fully backed U.S. dollar stablecoin, adds another layer to its strategic advantage. Unlike a future U.S. CBDC, delayed by political wrangling, RLUSD is already live and operational on the XRP Ledger. It supports real-time settlement, cross-border payments, and tokenized value exchange.

Its design makes it ideal for institutions seeking regulatory-compliant, dollar-backed digital assets without waiting on federal agencies. For JackTheRippler, RLUSD proves that innovation doesn’t need to pause while the government decides its stance.

XRP and RLUSD Are Built to Win

Although the U.S. House has delayed movement on three of its most anticipated crypto bills, Ripple’s ecosystem remains unaffected. It’s thriving.

As JackTheRippler rightly emphasizes, Ripple isn’t waiting for the U.S. to catch up. With XRP at the center of liquidity and RLUSD enabling programmable payments, Ripple’s ecosystem is already delivering what legislators are still trying to define.

Whether the U.S. bans CBDCs or embraces them later, Ripple has already built the infrastructure, and that’s why XRP and RLUSD are poised to win, no matter the outcome.

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 urged to do in-depth 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.*