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The latest version of TokenPocket (iOS & Android v2.9.0 and above) has officially integrated the XRP network, giving users seamless access to the Ripple ecosystem.
This article revisits Ripple’s two-decade journey — from its early vision in 2004 to its compliance breakthrough in 2025 — and shows how TokenPocket is emerging as the ideal gateway for XRP adoption.
Two Decades of Persistence: From Vision to Global Payments
2004 – The Seed of RipplePay

Ryan Fugger introduced RipplePay, a decentralized trust network designed for peer-to-peer value exchange, aiming to bypass traditional banking inefficiencies.
2012 – The Birth of Ripple Labs & XRP

Jed McCaleb and Chris Larsen co-founded Ripple Labs (formerly OpenCoin), transforming RipplePay’s concept into a practical blockchain payment solution — with XRP at its core.
2024 – Launch of RLUSD Stablecoin

On December 10, 2024, Ripple launched RLUSD, a USD-pegged stablecoin deployed on both XRP Ledger and Ethereum. RLUSD merges XRP’s efficiency with stablecoin reliability, supporting enterprise-grade, real-time global payments.

Today, Ripple’s ecosystem powers cross-border payments, stablecoin solutions, and CBDC pilots, securing its place as a leader in blockchain-based payments.
Five Years of Regulatory Struggle: From Lawsuit to Compliance
2020 – SEC Lawsuit Filed

The U.S. SEC sued Ripple Labs in December 2020, alleging XRP sales as unregistered securities offerings worth over $1.3B. This triggered price crashes, exchange delistings, and institutional setbacks.
2023 – Key Court Ruling

In July 2023, Judge Analisa Torres ruled that XRP’s programmatic sales on exchanges were not securities, restoring market confidence and marking a turning point for Ripple.

2025 – Case Officially Closed

In April 2025, the SEC withdrew its lawsuit against Ripple Labs. CEO Brad Garlinghouse announced: “The case is closed.” XRP’s regulatory legitimacy in the U.S. was affirmed, accelerating adoption of both XRP and RLUSD in payments and CBDC initiatives.
👉 This five-year battle became a regulatory milestone, proving that decentralized digital assets can achieve compliance through persistence, legal defense, and technological maturity.
TokenPocket: The Ideal Gateway to the XRP Ecosystem

The XRP Ledger is fast, scalable, energy-efficient, and payment-optimized — proven over a decade of real-world usage.
With its latest integration, TokenPocket delivers a seamless front-end for Ripple’s expanding ecosystem, offering:
Secure Asset ManagementCross-Chain SwapsDApp Ecosystem AccessStablecoin Payments (including RLUSD)
By combining multi-chain capability, zero-fee transfers on TRON & BSC, and enterprise-grade security, TokenPocket empowers users to unlock the full potential of the XRP ecosystem.
✨ The legend of XRP continues — and TokenPocket is your best gateway to this next chapter.
👉 Create your XRP wallet today: XRP Wallet Setup Guide

👉 Download TokenPocket: tp.xyz

Since the GENIUS Act was signed into law on July 18, 2025, the U.S. has moved decisively to regulate payment stablecoins. Together with pending bills like the CLARITY Act, STABLE Act, and Anti-CBDC Surveillance Act, the U.S. is building a comprehensive governance system covering asset definitions, issuer qualifications, reserve management, compliance obligations, and inter-agency coordination.
This article analyzes these four pillars of U.S. stablecoin regulation and highlights TokenPocket’s pivotal role as infrastructure in this evolving environment.
The GENIUS Act: Federal Foundations for Stablecoins

The Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act), signed with bipartisan support, provides the first federal-level definition of “payment stablecoins” and establishes five key requirements:
Authorized Issuers – Only OCC-approved banks or regulated trust companies may issue payment stablecoins. All others are banned.Reserve & Redemption Safeguards – 100% backing in USD cash or short-term Treasuries. Emergency freeze/burn functions mandated.Transparency & Audits – Monthly reserve disclosures and audits, published by Treasury. Executives must personally attest to compliance.AML/CFT & Consumer Protection – Issuers fall under the Bank Secrecy Act, with strict compliance, consumer priority in bankruptcies, and bans on misleading marketing.Transition & Enforcement – 3-year grace period for existing issuers; Treasury retains discretion to adjust requirements.

👉 The GENIUS Act establishes clear legal definitions and enforcement authority, marking the U.S.’s first comprehensive federal framework for stablecoins.
The Complementary Bills
1. CLARITY Act – Asset Classification & Intermediary Registration

Status: Passed the House (June 2025, 294–134); pending Senate review.Focus: Resolves SEC vs. CFTC turf wars by classifying assets and creating new registration categories (DCE, DCB, DCD).Highlights:Digital commodities vs. securities based on decentralization/utility.Safe harbor exemptions for offerings <$75M.DeFi developers/validators get regulatory breathing room.Analysis: Provides long-needed legal clarity, but dual oversight raises the risk of regulatory arbitrage across jurisdictions.
2. STABLE Act – Prudential Oversight
Status: Introduced (March 2025); pending Senate review.Focus: Expands on the GENIUS Act by embedding stablecoins within Federal Reserve supervision.Highlights:Mandatory Fed registration and quarterly reserve reporting.Rehypothecation prohibited.Fed empowered to freeze accounts or halt minting for violations.Analysis: Brings stablecoins under traditional banking discipline, bolstering systemic safety — but may also increase compliance costs and slow innovation.
3. Anti-CBDC Surveillance State Act – Privacy Protections
Status: Passed the House (July 2025); pending Senate review.Focus: Prevents the Federal Reserve from issuing retail CBDCs.Highlights:Ban on direct or indirect CBDC issuance to individuals.Only wholesale settlement CBDCs permitted.Any retail CBDC project requires explicit congressional approval.Analysis: Protects privacy and preserves commercial banks’ role, but limits U.S. competitiveness in the global CBDC race.
Key Takeaways: The U.S. Regulatory Model
GENIUS Act – Defines stablecoins, enforces 100% reserves, mandates monthly audits.CLARITY Act – Establishes asset classification and intermediary registration.STABLE Act – Extends prudential oversight to stablecoin issuers.Anti-CBDC Act – Safeguards privacy by blocking retail CBDCs.
Together, these measures create a multi-layered system:
Inter-agency coordination across SEC, CFTC, OCC, Fed, and FinCEN.A balance between transparency, stability, and innovation via transition periods and safe harbors.A “rule-of-law first, market-friendly” approach designed to attract innovation and capital.
TokenPocket: Infrastructure for the Stablecoin Era

Within this tightening U.S. framework, TokenPocket stands out as the leading multichain self-custody stablecoin wallet.
1. Licensing & Compliance
Registered as a Money Services Business (MSB) with U.S. FinCEN, ensuring BSA/AML compliance.Actively pursuing additional licenses worldwide to align with global regulatory standards.
2. Seamless Cross-Chain & Zero-Fee Services
Supports 1,000+ networks including Ethereum, BSC, Solana, Arbitrum, and Polygon.Integrated cross-chain bridges and flash swaps maximize liquidity.Zero-fee transfers on TRON and BSC reduce user costs.
3. Unified Stablecoin & Multi-Asset Management
Supports all major stablecoins with built-in swaps and bridges.Unified interface for multi-chain balances, portfolios, and transaction history.
4. Enterprise-Grade Security
Fully non-custodial: private keys stored only on user devices.Security stack includes PassPhrase, multi-signature, and @KeyPalWallet hardware integration.
Conclusion
U.S. stablecoin regulation is moving from fragmented enforcement to a cohesive federal system. The GENIUS Act sets foundations; CLARITY defines classifications; STABLE ensures prudential oversight; and the Anti-CBDC Act protects privacy.
As regulation matures, TokenPocket provides the optimal infrastructure for both users and enterprises — combining regulatory compliance, cross-chain flexibility, zero-fee efficiency, and enterprise-grade security.

🔗 Download TokenPocket today: tp.xyz

After the excitement of Round 1, TokenPocket and SunPump are teaming up once again to bring the community another epic trading showdown! This round will ignite on TRON, continuing to fuel the race with pure meme energy.
📅 Event Period
August 20, 5 PM, 2025 — August 27, 5 PM, 2025 (UTC+8)
🚀 How to Participate
Connect your TokenPocket wallet to SunPumpmeme and trade memecoins. (Please complete the trading task using the TokenPocket mobile app or Chrome Extension Wallet.)Every trade or interaction will earn you Fuel Points.During the event, the Top 30 on the Fuel Points leaderboard and 50 randomly selected lucky participants will share the rewards. (The leaderboard will be announced at the end of the campaign)Rewards will be distributed in $TRX airdrops, with a total prize pool worth 5,000 USDT.
🔥 Fuel Points Calculation
Fuel Points = Trade Amount (in USDT) × Number of InteractionsExample: 100 USDT × 5 interactions = 500 Fuel Points
🏆 Prize Pool (5,000 USDT worth of TRX)
Leaderboard Rewards (Total: 4,500 USDT worth of TRX)
1st Place: 800 USDT worth of TRX2nd Place: 500 USDT worth of TRX3rd Place: 400 USDT worth of TRX4th–10th Place: 200 USDT worth of TRX each11th–20th Place: 100 USDT worth of TRX each21st–30th Place: 40 USDT worth of TRX each
2. Lucky Draw Rewards (Total: 500 USDT worth of TRX)
All participants with 50 or more Fuel Points will be entered into a draw. 50 winners will be selected to share $500 $TRX equally.
🎯 How to Claim Rewards
The winners’ list will be announced after the event (exact date to be confirmed).Winners must claim their rewards in the Airdrop Zone of the TokenPocket wallet within 4 days. (The detailed information will be disclosed at a later stage.)If the rewards are not fully claimed, a “first-come, first-served” activity will be launched, with a fuel value threshold requirement. (The detailed information will be disclosed at a later stage.)
This trading race is more than just a celebration of the meme community — it’s the speed and passion of TRON Degens in full force.
Fuel up, climb the leaderboard, and win your share of TRX!