XRP may be approaching a defining moment in its U.S. market trajectory, as recent legal and regulatory developments converge to create a more favorable environment for its reintegration.
According to crypto analyst SMQKE, a potential alignment between Ripple’s pending settlement with the SEC and the GENIUS Act, Washington’s flagship stablecoin bill, could significantly accelerate XRP’s return to U.S. financial markets, supporting both its price and institutional appeal.
Ripple-SEC Case Enters Crucial Phase
The legal standoff between Ripple and the U.S. Securities and Exchange Commission has reached a critical point. Following the procedural rejection of an earlier 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, coupled with the pending decision in the lower court, suggests that a broader resolution could be in motion, one that could restore regulatory clarity for XRP and signal its readiness for renewed engagement with U.S. financial institutions.
‼️THE GENIUS ACT ALIGNING WITH RIPPLE’S SETTLEMENT WITH THE SEC COULD ACCELERATE XRP’S INTEGRATION INTO U.S MARKETS—> SUPPORTING ITS PRICE‼️
Documented.📝💨 https://t.co/cqmO0XJOJn pic.twitter.com/hHWA9zo7mW
— SMQKE (@SMQKEDQG) June 17, 2025
GENIUS Act Could Complement XRP’s Legal Clarity
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 bill’s provisions, covering licensing, reserve management, and consumer protections, mark a broader shift toward digital asset clarity.
According to a DBS Group Research report, the bill is expected to be signed into law by August, around the same time the SEC is due to file its update in the Ripple case.
This overlap could be crucial. Legal scholars have suggested that if Ripple’s settlement aligns with the spirit of the GENIUS Act, particularly in defining XRP’s role as a payments utility rather than an investment contract, it could open the door to XRP’s renewed integration into U.S. markets.
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Market Implications: Price and Institutional Interest
SMQKE noted that such regulatory convergence could be a turning point for XRP, potentially 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.”
The GENIUS Act is already influencing broader market dynamics. As detailed in the DBS Crypto Digest, improved legal clarity is boosting confidence in compliant digital assets and is expected to accelerate adoption across the board. For Ripple, which aims to serve as a global leader in blockchain-powered cross-border payments, this trend may offer the legal and strategic foundation it has long sought in the U.S.
Looking Ahead
As the August timeline approaches, XRP finds itself 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—legitimized, regulated, and ready for broader institutional participation.
For now, investors and industry observers alike are watching closely. XRP’s next chapter may be written not just in the courtroom, but in Washington’s evolving digital asset policy.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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