#GENIUSAct
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What the GENIUS Act Means for XRP Investors
The GENIUS Act benefits Ripple's RLUSD stablecoin, but experts say its direct impact on XRP will be minimal.
The GENIUS Act, now signed into law, gives stablecoin issuers like Ripple a clear regulatory path but is expected to have limited direct impact on XRP’s price.
Ripple’s new stablecoin, RLUSD, positions the company to compete domestically with USDC and PayPal USD as a native U.S. liquidity provider.
Legal ambiguity around XRP’s classification persists, with future clarity hinging on the proposed CLARITY Act’s passage.
America's crypto landscape took a significant turn last Friday when President Donald Trump signed the GENIUS Act into law. While this legislation provides a regulated path for stablecoin issuers like Ripple, some say it has a minimal impact on XRP, at least in any meaningful way.
"Ripple is uniquely positioned to benefit from this new legislation," Austin King, co-founder of Omni Network, told Decrypt. The law gives stablecoins like "USDC and RLUSD a competitive advantage when it comes to institutional adoption, which is where the real winners will be made," he added.
While competitors such as Circle's USDC and Tether's USDT will undoubtedly push to retain their market share, Ripple's established cross-border positioning could help its RLUSD gain traction.
"The existence of RLUSD would allow Ripple to become a native, on-shore liquidity provider in the U.S., competing directly with USDC and PayPal USD," Yuri Brisov, Partner at Digital & Analogue Partners, told Decrypt. This, he explained, will allow Ripple to "reconfigure itself as a core infrastructure provider within the U.S. financial system."