XRP may enter a new phase in its market trajectory in the U.S. due to recent legal and regulatory developments.
Ripple-SEC Case Enters Crucial Phase
The legal standoff between Ripple and the U.S. Securities and Exchange Commission (SEC) has reached a critical juncture. Following the procedural rejection of a prior settlement proposal, a revised version has now been submitted. Both parties await a ruling from Judge Analisa Torres. Meanwhile, Ripple and the SEC have jointly requested the Second Circuit Court of Appeals to pause appeal proceedings until August 15, with the SEC expected to file a status update on that date. This pause, along with the pending decision at the lower court, suggests that a broader resolution may be in motion.
GENIUS Act and Legal Clarity for XRP
The GENIUS Act, which recently passed the U.S. Senate on May 20, 2025, offers a comprehensive framework for regulating stablecoins. While XRP is not a stablecoin, the provisions of the bill, regarding licensing, reserve management, and consumer protections, signal a broader shift towards clarity for digital assets. It is expected that the bill will be signed into law by August, coinciding with the SEC's update in the Ripple case.
Market Implications and Institutional Interest
According to analyst SMQKE, such regulatory convergence could become a turning point for XRP, boosting investor confidence and encouraging institutional adoption. A 2025 study cited in recent academic literature supports this view, concluding that a settlement in harmony with stablecoin regulations could support XRP’s price and attract institutional investors.
As the August timeline approaches, XRP stands at the intersection of legal resolution and regulatory progress. If Judge Torres rules favorably on the settlement, and the GENIUS Act is enacted as scheduled, XRP could see a revitalized presence in U.S. finance.
