Here's What the GENIUS Act Will Bring for XRP If Passed

This week’s procedural vote in the House of Representatives set the stage for full debate on the GENIUS Act, one of three crypto-related bills advancing through Congress.

While attention has largely focused on Bitcoin and stablecoin issuers, crypto researcher SMQKE (@SMQKEDQG) pointed to XRP as another major token that stands to benefit significantly if the legislation becomes law.

In a post on X, SMQKE shared a document excerpt discussing how a regulatory shift, particularly through the GENIUS Act, could affect XRP.

The image discusses how a settlement of the legal dispute between Ripple and the U.S. Securities and Exchange Commission (SEC), which aligns with the GENIUS Act’s stablecoin framework, may accelerate XRP’s reintegration into U.S. financial markets, while attracting institutional investors and supporting its price.

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A Bill Designed to Bring Regulatory Certainty

The GENIUS Act, which has already passed in the Senate, proposes a federal framework for stablecoins and seeks to create a clear regulatory environment for digital asset compliance. It is one part of a legislative package that includes the Digital Asset Market Structure Clarity Act and the Anti-CBDC Surveillance State Act, all of which passed a key procedural vote following days of internal GOP disagreement.

These bills were initially voted down, but have now succeeded by a narrow 217–212 after President Trump intervened directly. He pledged his support in exchange for including provisions from the Anti-CBDC bill in the larger defense authorization package. With this deal in place, the House is now expected to hold final votes on each bill, beginning with the GENIUS Act.

XRP’s Path to Institutional Adoption

The document shared by SMQKE notes that aligning the end of the lawsuit with the provisions of the GENIUS Act could reduce barriers to XRP’s access to U.S. financial infrastructure and restore confidence among large investors. Ripple and the SEC initially chose to settle the legal battle, but the court blocked this move because it sought to modify the final ruling.

However, Ripple has chosen to move forward and has dropped its appeal, expecting the SEC to do the same and put an end to years of legal turmoil. This move has cemented XRP’s status, as Ripple CLO Stuart Alderoty confirmed that the ruling determining that XRP is not a security remains unchanged.

According to SMQKE, this clarity combined with clear rules in the GENIUS Act could “accelerate XRP’s reintegration into U.S financial markets which will support its price by attracting institutional investors.” As lawmakers prepare to take final votes, the implications for XRP may be more immediate than many expected.

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