Ripple CEO Garlinghouse: Clarity Act 90% likely to pass by April

2026-02-24 06:38:45

Ripple CEO Garlinghouse: Clarity Act 90% likely to pass by April

Investing.com

Sun, February 22, 2026 at 10:30 AM GMT+9 2 min read

Investing.com – Ripple CEO Brad Garlinghouse is signaling a massive shift in the U.S. regulatory landscape, placing a 90% probability on the passage of the Digital Asset Market Clarity Act (H.R. 3633) by the end of April.

Speaking in a recent interview with Fox Business, Garlinghouse noted that despite months of Senate-induced delays, a “logjam” in Washington is finally breaking. The White House has reportedly set a March 1 negotiation deadline to finalize terms, particularly regarding stablecoin provisions.

Breaking the Washington “logjam”

The Clarity Act, which passed the House in July 2025 with a significant bipartisan majority (294-134), has been stalled in the Senate over jurisdictional disputes. However, Garlinghouse highlights a change in momentum following high-level meetings between banking leaders and crypto executives. He believes the industry can no longer run on enforcement alone; it requires codified rules to thrive.

Key regulatory bodies also appear to be aligning. SEC Chairman Paul Atkins recently confirmed that the SEC and CFTC are coordinating through “Project Crypto.” This initiative suggests that the era of “regulation by enforcement” is giving way to a structured framework, providing a clearer lane for both agencies to operate without overlapping jurisdictions.

The Ripple chief’s 90% confidence interval significantly outpaces current sentiment in decentralized prediction markets. Currently, these markets price the bill’s passage at approximately 78% by year-end. Garlinghouse acknowledges the primary hurdle remains the debate over stablecoin yield incentives, an issue that previously slowed Senate Banking discussions, but he maintains that the urgency for federal guardrails will prevail.

Market impact: what this means for XRP

For XRP investors, the passage of the Clarity Act represents the “final box to check” for institutional adoption. While Ripple secured a landmark court ruling that XRP is not a security, federal legislation would codify that status into law. This would effectively remove the “gray zone” that has kept conservative institutional capital on the sidelines for years.

Garlinghouse noted rising interest from corporate treasurers in stablecoins and cross-border payment utility. These entities are not waiting for the “perfect” market, but they do require federal guardrails before moving serious capital. The CEO noted that Ripple is not standing still while Washington debates, having deployed $3 billion into acquisitions since 2023 to bolster its custody and treasury infrastructure.

Story Continues

If the April timeline holds, analysts expect a rapid rotation of capital back into large-cap tokens with proven utility. This potential legislative breakthrough could coincide with a broader market recovery, offering a significant fundamental catalyst.

_Reporting by Simon Mugo _

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