#CryptoClarityAct

A greater benefit

However, there are others in the community who focus their attention on the Ripple ecosystem rather than the value of XRP. User Max Avery comments on this: "Ripple is building a robust ecosystem".

Analyst Nico Cabrera added context by discussing Ripple's strategy. The company applied for a national banking license with the Office of the Comptroller of the Currency (OCC) and a Fed Master Account through Standard Custody, a company under its control.

The banking license would allow Ripple to operate as a federally regulated bank, which would generate greater trust among institutions and governments, enable the offering of advanced financial products, and position its stablecoin, RLUSD, as an option against competitors like USDC and USDT.

The Fed Master Account would grant Ripple direct access to the Federal Reserve to store RLUSD reserves, eliminating risks associated with intermediary banks and consolidating RLUSD as a highly secure stablecoin, with the potential to be seen as an attractive public-private solution for the U.S. government.

Nico Cabrera, analyst on the Ripple ecosystem.

Thus, based on these strategic moves, not only do they strengthen the position of RLUSD in the growing stablecoin market, valued at $250 billion, but they could also indirectly boost the value of XRP.

Therefore, based on this analysis, Ripple would benefit from the CLARITY Act, but more immediately from the GENIUS Act which has already been signed by President Trump.

For XRP, the Clarity Act is more critical, as it would resolve the legal issues that have affected its adoption. And it has greater potential to boost the value and adoption of XRP in the long term.

In the short term, the GENIUS Act may be more relevant to Ripple's institutional ambitions.