sec

The Digital Asset Market Structure and Investor Protection Act (CLARITY Act) is poised to transform U.S. crypto regulation. It aims to clearly split oversight: SEC for security-like assets, CFTC for commodities. Ripple CEO Brad Garlinghouse now gives it a 90% chance of passing by April 2026 after productive White House talks resolved stablecoin disputes.

So Why this is huge for Ripple and XRP?
After years of #SEC battles labeling $XRP XRP an unregistered security, the bill would officially classify “network tokens” like XRP as commodities. That removes SEC enforcement risk and opens the door wide for institutional adoption—especially for Ripple’s On-Demand Liquidity (ODL), already used by banks in over 100 countries.

Clear rules would accelerate XRP’s role in cross-border payments, potentially freeing up trillions currently locked in traditional systems like SWIFT. Analysts see this as a major demand driver for XRP once institutions gain confidence.

Ripple may have to sell billions of XRP
Some drafts cap any single entity’s control at 20% of a token’s supply. Ripple currently holds ~36% (~14 billion XRP). They could use blind trusts or ecosystem funds to comply, which might cause short-term selling pressure but ultimately improve liquidity and decentralization.

With Price potential and ETF momentum
With regulatory clarity, XRP ETFs (already at $1.3B inflows in first 50 days) could explode. Community sentiment recalls 2017’s 36,000% run, with short-term targets ranging from $2–$10 as pension funds and insurers enter. Ripple’s RLUSD stablecoin and potential U.S. banking license add further upside.

Risks and the bigger picture
Passage still requires Senate compromise. Delays could let Europe or Asia gain ground. For XRP holders, this is high-stakes: clarity = moonshot potential.
Bottom line
In a world desperate for fast, borderless finance, the #CLARITYAct could position Ripple and XRP at the center of tomorrow’s economy. The only question left: will Washington deliver before it’s too late?
#WhenWillCLARITYActPass

A Crypto Market Breakdown (Binance Square Style)
The big question: When does the CLARITY Act actually become law?
Let’s break it down without hype.

📌 Where Things Stand
The House has already approved the CLARITY Act (H.R. 3633).

Now the real battle is in the Senate.
The bill is currently under review by the Senate Banking Committee. Until they schedule a formal markup session and vote it forward, nothing truly moves.

In U.S. politics, committee action = real momentum.

⚖️ Why It’s Moving Slowly

This isn’t just a “crypto bill.”
It reshapes power between:
The SEC
The CFTC
Traditional banks
Stablecoin issuers
The biggest friction point? Stablecoin yield.
Banks worry yield-bearing stablecoins could pull deposits away from them.
Crypto firms argue banning yield kills innovation.
That tug-of-war is slowing negotiations.

🌍 Global Pressure Is Rising

The EU already implemented Markets in Crypto-Assets Regulation (MiCA).
Asia continues refining crypto licensing frameworks.
If the U.S. delays too long, capital and projects migrate.
Lawmakers know this.

🗓️ Realistic Timeline Scenarios

🔥 Fast Track – Spring 2026
If committee markup happens soon and compromise holds, passage could happen before mid-2026.
📊 Most Likely – Summer 2026
Negotiations extend. Amendments added. Floor vote mid-to-late 2026.

⏳ Slower Path – Post-Election
If politics get tense, it could be delayed into the next session.

🚨 Important Reality Check

Even if passed in 2026:

• SEC & CFTC still need rulemaking
• Public comment periods required
• Registration frameworks built
Real operational clarity may not arrive until 2027.
Legislation ≠ immediate transformation.
📈 Market Impact

If CLARITY passes:

✅ Institutional confidence increases
✅ U.S.-based projects gain structure
✅ Reduced regulatory uncertainty
✅ Potential long-term bullish narrative

But price action will still depend on liquidity cycles and macro conditions.
$BTC
🎯 Final Take

Most realistic window: Summer 2026.
Momentum exists.
Global competition adds pressure.
But Senate consensus is the key variable.
In crypto markets, clarity drives capital.
In Washington, consensus drives clarity.

#USCrypto
#Stablecoins
#SEC
#CryptoPolicyAdvocacy
#blockchain

$ZEC

📅 February 19 - United States | The White House once again brought the crypto industry and the banking sector face to face. In a third closed-door meeting—described by participants as “constructive”—progress was made on the technical and political framework for dealing with yields in stablecoins, one of the last remaining issues to finalize a crypto market structure law.

📖The meeting, which began at 9 a.m. The meeting, which lasted several hours, focused on reconciling two opposing positions: banks argue that allowing direct yields erodes deposits and puts community banks at risk; crypto players maintain that prohibiting such yields would stifle innovation and legitimate use cases.
In practice, the discussion revolves around technical differences (stablecoins as means of payment versus financial products?) and policy differences (how to prevent circumvention of rules through third parties).
The White House has held these sessions with the goal of finding a balance that protects consumers and maintains US competitiveness, but a source familiar with the matter said the intention was to keep participants "until a deal is struck," and that so far they have not succeeded.
On the legislative front, the negotiation directly impacts the draft that divides jurisdiction between the SEC and the CFTC and which still contemplates several amendments: an amendment from the Senate Banking Committee would allow exchanges to offer yield if the user performs certain actions (for example, selling their stablecoins), but would prevent simply holding the currency from generating a return.
Banks, for their part, proposed very broad prohibitive principles against any profit linked to stablecoins, while crypto groups presented more flexible frameworks that include post-enactment studies to measure the effects on bank deposits.
The political context complicates progress: the conflict of interest surrounding those linked to the president continues to influence votes; the Agriculture Committee approved a version without Democratic support due to these tensions.
Even so, voices like Ripple's hope that pressure from the White House will push for a solution before April, and prediction markets have shown fluctuations regarding the likelihood of approval.

Topic Opinion:
If consumer protection is prioritized and anti-evasion safeguards are incorporated, an agreement that allows for responsible innovation is possible.
💬 Do you believe the White House will be able to forge a technical consensus without being swayed by politics?

Leave your comment...
#Stablecoins #yield #SEC #CFTC #CryptoNews $XRP $USDC $USD1

Sometimes darkness can show you the light
We can live in the light
Sometimes darkness can show you the light
We can live in the light
Disturbed - The Light
If you're tired of SEC uncertainty, endless lawsuits, and regulatory FUD — keep an eye on one acronym: CLARITY Act (H.R. 3633). The ice is breaking - White House passed it in July 2025 (294–134), and now the White House + SEC are pushing hard for Senate action.
Why it's a game-changer:
1.Clear division of powers, CFTC takes spot of "digital commodities," SEC handles securities/investment contracts.
2.Stablecoin legalization + rules for yield/rewards.
3.Green light for banks to custody crypto directly, slashing enforcement risks.
Current status (Feb 19, 2026):
Main roadblock: banks vs crypto on stablecoin yield. White House mediated meetings — latest one productive but no deal yet. Deadline for compromise is March 1.
SEC Chair Paul Atkins (Feb 11–12 hearings) said: "I support the CLARITY Act — agency ready to implement immediately upon enactment."
Treasury Sec Scott Bessent (Feb 13): "Pass it this spring to give great comfort to the market."
Prediction markets: Polymarket ~70–77% (spiked to 90% briefly today), Kalshi ~71–85% on passage by June/spring.
If compromise by March 1 and Senate markup/vote in March–April — expect a massive boost like after GENIUS Act in 2025. Could spark 20–50%+ rally in $BTC /$ETH in the following quarter (regulatory risk gone = institutions flood in). But if dragged to summer — bureaucracy wins, especially with midterms looming.
Poll in comments: When do you think it passes?
1️⃣ March — Moon soon! 🌕
2️⃣ Dragged to summer — but it will pass
3️⃣ Pushed to 2027... 😩
#WhenWillCLARITYActPass #CryptoRegulationBattle #SEC #CFTC #Stablecoins