Chief Legal Officer Stuart Alderoty published a summary of the letter, stating the SEC has ample statutory authority to act and that the proposal stays faithful to existing securities law.

The letter argues the proposal rests on three principles rooted in the 1946 Howey decision. The investment contract is the security, not the token. Promises made by issuers can end. Whether a contract exists turns on what the issuer actually represented, not on any general market concept of decentralization.

1/ Today Ripple filed its comment letter on the SEC’s proposed Regulation Crypto Assets. We support the proposal, and the SEC has clear authority to adopt it.
2/ Years of “case by case, coin by coin” enforcement has pushed innovation offshore. We need holistic rules for digital…

— Stuart Alderoty (@s_alderoty) October 20, 2026

The Cost of Years Without Clear Rules

Ripple uses its own history to make the economic case for the proposal. After the SEC filed its complaint in December 2020 alleging XRP itself was a security, XRP’s price fell roughly 70% within days. Approximately $15 billion in market value disappeared. Nearly every exchange accessible to U.S. customers de-listed XRP or blocked access.

When a federal court ruled in July 2023 that XRP was not itself a security, XRP’s market cap rose by roughly $21 billion. Coinbase and Kraken announced restored XRP trading the same day. Ripple spent more than $150 million in legal fees to reach that outcome.

Ripple CEO Brad Garlinghouse has revealed that the company almost shut down. Alderoty wrote: “No company should have to do that to learn what the law requires.”

The Wider Impact

The letter also documents wider economic damage. The U.S. share of global crypto developers fell from 38% in 2015 to 19% in 2024. Only about 17% of coin offerings between 2016 and 2018 had U.S.-based teams. Ripple itself hired predominantly outside the U.S. during the period of peak regulatory uncertainty.

Ripple’s Targeted Refinements

Ripple supports the proposal but offers five refinements. It asks the SEC to add a “no presumption” clause for Form TR non-filers. It wants Rule 400 extended to cover the Investment Company Act and Advisers Act. It also wants the SEC to fix secondary market preemption rules that exclude registered broker-dealers.

Ripple also wants intermediaries protected when issuers fall behind on filings. Finally, it asks the SEC to confirm that holding, lending, pledging, or staking a crypto asset does not affect a covered investment contract’s status.

The proposal, if finalized, would codify the legal principle the Ripple court applied in 2023 to determine that XRP is not a security. The comment period closed October 20. The SEC now moves toward issuing a final rule.

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 advised to conduct thorough 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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Digital Asset Investor, the crypto commentator behind the @digitalassetbuy account on X, addressed this disparity in a recent tweet. He cited XRP’s unique status among major digital assets: “The only digital asset on that list to undergo a 5 year SEC lawsuit is XRP.”

He added that XRP had surpassed Ethereum in price and was closing in on Bitcoin before what he described as coordinated attacks on the asset. He also reported a message he received at the Evernorth listing on NASDAQ from conversations with Ripple: “All roadblocks have been removed.”

Bill Morgan Pushes Back on the Lawsuit Narrative

Australian lawyer and digital asset commentator Bill Morgan responded with a more critical take. Morgan argued that the SEC litigation no longer holds up as an explanation for XRP’s price performance.

“The lawsuit cannot be an excuse all the time for XRP’s current price,” Morgan wrote. “That excuse is getting quite old.”

Morgan noted that XRP has fallen 45% over the past 12 months and approximately 60% since Ripple and the SEC resolved their legal battle on 7 August 2025. He said the settlement produced no lasting price recovery.

“It seems the settlement of the lawsuit caused no lasting positive effect on price,” Morgan wrote.

He acknowledged that positive lawsuit developments did lift XRP’s price in the short term but said those gains were consistently erased. He noted that expectations of a settlement drove more market activity in the months before August 2025 than the actual resolution did. However, most of those gains have since been erased over the past 13 months.

The lawsuit cannot be an excuse all the time for XRP‘s current price. That excuse is getting quite old. XRP price has fallen 45% in the last 12 months and about 60% since the litigation with the SEC was finally resolved on 7 August 2025. The lawsuit was always an overrated and… https://t.co/TduMk4XFvM

— bill morgan (@Belisarius2020) October 18, 2026

A Maturing Market Demands More Than Legal Wins

Morgan described the lawsuit as “always an overrated and exaggerated excuse” in his view. His position is that XRP’s price performance must now stand on fundamentals, adoption, and utility rather than on legal outcomes.

The data supports his skepticism. While much of the crypto market has recovered and surpassed its 2017–2018 cycle highs, XRP remains the only major token on CoinDesk’s comparative chart still trading well below its peak from that period.

Whether the removal of the legal obstacles identified by Ripple will translate into a sustained price recovery remains uncertain.

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 advised to conduct thorough 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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The Timeline and What it Shows

SMQKE’s timeline traces the legislative process from Senate Committee Markup, originally projected for mid-March 2026, through to full compliance. The table projects that a Full Senate Vote would have moved the bill to the President’s desk by April or May 2026.

A Presidential Signing in June 2026 would have triggered a Provisional Registration period, during which exchanges could register with the CFTC to avoid enforcement actions. The two highlighted rows are the most significant.

The Joint Rulemaking Period, estimated for late 2026 through 2027, requires the SEC and CFTC to finalize joint rules on token classification and custody. Full Implementation in early 2027 ends an 18-month grace period, after which all platforms must be in full compliance.

U.S REGULATORY TIMELINE REVEALS SEC/CFTC OFFICIAL RULEMAKING PERIOD

“Late 2026-Early 2027”

“Full Implementation”

Documented. pic.twitter.com/mi5JB9rWb0

— SMQKE (@SMQKEDQG) October 8, 2026

The CLARITY Act’s Collapse Changed the Path

The timeline SMQKE published assumed legislative success. The CLARITY Act failed its Senate cloture vote on September 15, falling 11 votes short of the 60 required. Every Democrat present voted against it.

The bill’s failure did not stop the regulators. SEC Chair Paul Atkins stated the agency would proceed within its statutory authority. The CFTC followed the same line. Within days of the vote, both agencies moved.

The SEC issued the Innovation Exemption on September 17, opening a 5-year conditional pathway for tokenized stock trading. The CFTC issued a no-action position for passive software providers the same day. The SEC proposed a crypto custody rule for investment advisers on October 1.

The agencies are building the rulebook through exemptions, proposals, and guidance rather than statute. The destination remains the same, but the path changed.

XRP and the Joint Rulemaking Window

XRP is one of the 16 assets classified as digital commodities under a joint SEC/CFTC interpretation finalized in March 2026. The Joint Rulemaking Period will determine how custody requirements are enforced, and how token classification rules apply.

These rules will shape how exchanges handle XRP and how institutions engage with the asset. The late 2026 to early 2027 window SMQKE identifies now carries more significance given the legislative failure. Agency rulemaking has become the primary vehicle.

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 advised to conduct thorough 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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Crypto commentator BankXRP (@BankXRP) shared the filing, highlighting that the CDCC lists options on the XRP Evolve ETF ($XRP) and the XRP Purpose ETF (XRPP). The post noted that XRP now sits “right next to BTC, ETH & SOL ETF options.” This move comes shortly after the CDCC filed Form 20 registering those products.

What the Filing Actually Shows

The Form 8-K is a current report submitted to the SEC by the CDCC, Commission File Number 002-69458. The CDCC serves as the central counterparty clearing derivatives traded on Canadian exchanges, including the Montreal Exchange.

BankXRP shared the HTML source. That page lists the XRP Evolve ETF and XRP Purpose ETF options. These appear in the same table structure as Bitcoin and Ethereum ETF options. This move now places XRP derivatives inside the same framework as the two largest cryptocurrencies today.

BREAKING: XRP ETF OPTIONS just showed up in an official SEC filing!

CDCC (Canada's derivatives clearing house) lists options on:
XRP Evolve ETF → $XRP
XRP Purpose ETF → $XRPP

Right next to BTC, ETH & SOL ETF options. XRP is now in the same league as the big… pic.twitter.com/nFVd9dva4e

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) October 6, 2026

Institutional Infrastructure Takes Shape

ETF options give institutions tools to hedge positions, generate yield, and manage their risk. The presence of these options in an SEC-registered filing shows that the regulated market infrastructure around XRP and interest from institutions is expanding.

Bitcoin ETF options launched in late 2024 and attracted substantial institutional interest within months. Ethereum followed a similar path. XRP now enters that same regulatory structure, which opens the asset to a wider class of professional investors who require exchange-listed, cleared derivatives before allocating capital.

BankXRP described XRP as being “in the same league as the big names,” pointing to the side-by-side listing in the official filing.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Price Growth Potential

Institutional access through derivatives tends to increase demand for the underlying asset. When regulated options exist, market makers must hold or manage exposure to the underlying ETF, which creates consistent buying pressure. This effect contributed to price appreciation in Bitcoin following its ETF options launch.

XRP currently has multiple spot ETFs approved in the U.S. These include products from Franklin Templeton, Bitwise, Grayscale, 21Shares, Canary, and Rex-Osprey. The addition of exchange-listed options on Canadian XRP ETFs, now registered for U.S. distribution, extends that infrastructure further.

Each layer of regulated product development increases XRP’s accessibility. Many analysts see the derivatives market as a big opportunity. Options are a significant layer as they attract participants who previously had no compliant way to gain leveraged or hedged XRP exposure.

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 advised to conduct thorough 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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Prominent crypto analyst EGRAG CRYPTO (@egragcrypto) shared a breakdown on X, highlighting what the updated guidance means for the space.

The update does not carry the force of law. The SEC staff acknowledges as much in the document itself. Still, the guidance sharpens the legal architecture around crypto classification in ways that are significant for XRP.

SEC JUST CLARIFIED SOMETHING BIG FOR CRYPTO

The SEC staff’s updated crypto FAQs sharpen an important distinction:

Crypto asset ≠ automatically an investment contract

Functional networks can still be maintained & upgraded without those activities necessarily being…

— EGRAG CRYPTO (@egragcrypto) October 2, 2026

Functionality Changes the Calculation

EGRAG CRYPTO pulled out a key theme from the FAQ: functionality, utility, and decentralization are central to how the SEC assesses crypto assets. The updated document addresses what happens once a crypto system reaches functional status. At that point, activities to secure, maintain, or improve the network no longer constitute essential managerial efforts under the Howey test.

The Howey test is the legal standard that determines whether an asset qualifies as a security. Removing network maintenance from the “essential managerial efforts” category narrows the path to securities classification for functional networks.

XRP operates on a functional, decentralized network. The March Interpretive Release explicitly named XRP as a digital commodity. The September FAQ reinforces that status by clarifying the criteria that keep a functional network outside investment contract territory.

Promotion and Buybacks Get Clarity

The updated FAQ also addresses promotional activity. Promoting a crypto system’s current utility does not automatically constitute a representation or promise to engage in essential managerial efforts. EGRAG CRYPTO highlighted this point specifically. Utility-focused promotion carries a different legal character than promotional statements tied to profit expectations.

The FAQ goes further on buybacks. A functional crypto system with no central party, announcing a buyback program, would not constitute a representation or promise of essential managerial efforts. The analyst identified this as one of the update’s notable clarifications. It gives decentralized, functional networks more operational flexibility.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

A Growing Regulatory Architecture

This update is part of a broader regulatory shift the SEC has built through 2016 guidance. The March Interpretive Release established XRP’s commodity status. The original September 25 FAQ built on that release. The September 28 update further refines it.

EGRAG CRYPTO’s summary of the document centers on one core takeaway: functionality, utility, and decentralization are the SEC’s assessment framework. XRP checks each of those criteria under the existing guidance. Institutions assessing XRP now have additional staff-level guidance supporting its commodity classification.

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 advised to conduct thorough 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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Crypto commentator BankXRP (@BankXRP) shared the cover page with XRP followers. BankXRP described the SPAC as focused on fintech and digital assets. The post gave the XRP community a new document to study.

The Filing Itself

The cover page lists Silicon Valley Acquisition Corp. as a Cayman Islands company. Its Standard Industrial Classification code is 6770. Dan Nash serves as chief executive officer. The company lists its offices at 425 Page Mill Rd. in Palo Alto. A SPAC files an S-4 when it registers securities for a business combination.

JUST IN: Ripple is mentioned in a new SEC filing from Silicon Valley Acquisition Corp.

The SPAC is focused on fintech and digital assets, with Ripple referenced in its discussion of the sector. https://t.co/SHcDtKQYR9 pic.twitter.com/NkSod6R2pY

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) September 29, 2026

Where Ripple Appears

Ripple is mentioned in the biography of Pankaj Shah, an independent director. The text credits Shah with early involvement in breakout companies such as Addepar, OpenGov, Ripple, ThirdLove, and Wish since August 2017.

It also names him Managing Director at Finches, LLC, a Palo Alto investment and advisory firm. The filing says the company believes Shah is “well qualified” to serve on its board.

Why XRP Holders Care

Ripple appears in a legal document as a career credential. The SPAC targets fintech and digital assets. A director with early Ripple involvement brings relevant experience to that focus. The filing places Ripple beside companies it calls breakout companies. Holders may read that as a sign that institutions value the name.

Investors who study the S-4 will see Ripple in a professional setting. If the SPAC pursues digital asset deals, the director’s background could gain importance. XRP supporters have long watched for regulatory comfort with Ripple. This filing gives them another data point.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

A Different Reading

While many in the community shared excitement, one commenter urged readers to review the filing carefully. He notes that an S-4 is a registration statement. Mentioning Ripple doesn’t show a deal or merger. Lawyers draft every word of an S-4, the commenter says, so nothing enters it casually.

The commenter points to a change over three years. In 2023, a filer might have written “certain blockchain payment providers” to avoid naming Ripple because of the legal battle with the SEC. Now, the commenter says, “the name stopped being radioactive.” The commenter calls the shift “something slower and more useful” than a catalyst.

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 advised to conduct thorough 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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The document builds directly on the landmark March Interpretive Release, which the SEC issued jointly with the CFTC and explicitly classified XRP as a digital commodity.

Levi reacted strongly to the development on X, writing, “BIG WIN FOR CRYPTO!!” He then pointed to the SEC’s clarification of how securities laws apply to certain crypto activities and concluded that the update could benefit both the wider industry and XRP.

The SEC’s Division of Corporation Finance issued the material to provide additional information about crypto assets and transactions. However, the agency also made clear that the document represents staff views rather than new binding regulations.

BIG WIN FOR CRYPTO!!

SEC issues new guidance clarifying securities laws on crypto.

This is massively bullish for crypto and $XRP pic.twitter.com/mpVnM4bIDK

— Levi | Crypto Crusaders (@LeviCryptoGuy) September 28, 2026

SEC Clarifies Rules Around Functional Networks

The September 25 guidance addresses crypto networks that have become fully functional. SEC staff explained that routine activities involving the security, maintenance, operation, or improvement of a functional network do not automatically qualify as the essential managerial efforts relevant to an investment-contract analysis under the Howey framework.

The SEC also addressed token buybacks involving fully functional and decentralized networks. Under the circumstances described in the guidance, a token buyback does not automatically constitute an investment contract. The analysis can depend on how the transaction operates and whether other factors create expectations of profits from managerial efforts.

The agency also clarified liquid staking receipt tokens. The guidance discusses circumstances in which these tokens can represent interests connected to underlying digital commodities without automatically creating an investment contract.

These points give crypto developers and market participants additional information about how SEC staff approaches several activities that have faced regulatory uncertainty.

The Guidance Does Not Change Securities Law

Levi’s description of the update as a “BIG WIN” reflects his interpretation of its significance, but the SEC placed clear limits on the document.

The Division of Corporation Finance said its FAQs reflect the views of its staff and do not have the force or effect of law. The guidance does not amend federal securities laws or replace existing legal precedent. The SEC also continues to examine crypto assets and transactions based on their facts and circumstances.

As a result, the update provides additional regulatory clarity without creating a blanket exemption for cryptocurrencies or crypto-related businesses.

XRP Already Has Significant Legal Precedent

The SEC’s latest guidance also does not establish a new XRP-specific legal determination. The agency addressed several crypto activities generally rather than issuing a fresh ruling on XRP.

XRP already has important legal precedent from the SEC’s litigation against Ripple. On July 13, 2023, Judge Analisa Torres ruled that Ripple’s programmatic sales of XRP on digital asset exchanges did not satisfy the Howey test under the circumstances before the court. She reached a different conclusion regarding certain institutional sales of XRP.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

That distinction remains important when assessing Levi’s claim that the SEC update represents a major development specifically for XRP.

Levi’s post places the latest SEC guidance within a positive regulatory context for crypto and XRP. The September 25 update provides additional information about how SEC staff approaches certain digital asset activities, but it does not independently establish a new legal status for XRP.

The development therefore adds to the regulatory information available to the crypto industry while leaving the legal treatment of individual assets dependent on their specific circumstances.

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 advised to conduct thorough 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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Crypto Crusaders creator Levi Rietveld shared the update with his audience, calling it “a big regulatory boost” for XRP. The document builds directly on the landmark March Interpretive Release, which the SEC issued jointly with the CFTC and explicitly classified XRP as a digital commodity.

What the September 25 FAQ Establishes

The FAQ clarifies several key points from the March release. On staking, it confirms that a Staking Receipt Token issued by a protocol-based Liquid Staking Provider qualifies as a digital commodity when it derives its value from “the programmatic operation of a crypto system that is functional, as well as supply and demand dynamics.”

The document also confirms that once a crypto system is functional, activities to maintain, secure, or improve it do not constitute essential managerial efforts under the Howey test. That matters for XRP because it removes a key argument the SEC previously used to pursue securities enforcement.

$XRP JUST GOT A BIG REGULATORY BOOST pic.twitter.com/3sLOHArZlm

— Levi | Crypto Crusaders (@LeviCryptoGuy) September 27, 2026

XRP’s Position in the Framework

The March Interpretive Release named XRP directly as a digital commodity. The March 2026 release says that, based on the characteristics, terms, and XRP’s functions as of the release date, the Commission concludes XRP is a digital commodity. This matches the court ruling that XRP in itself is not a security.

The September FAQ reinforces that classification by building out the legal architecture around it. Rietveld noted that “the SEC’s own framework lists XRP as a digital commodity,” and the FAQ confirms that framework carries formal agency authority, even though it stops short of statutory law.

What This Means for Institutional Access

Rietveld argued that institutions waiting for regulatory clarity before getting more involved with XRP now have reason to act. The September FAQ strengthens that case. It narrows liability for platforms listing XRP, reducing friction for institutional participation.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The CLARITY Act failed its Senate cloture vote 49-50, with no Democratic support. The SEC FAQ acknowledges its own limits: “These FAQs have no legal force or effect, do not alter or amend applicable law, and do not create any new or additional obligations for any person.”

The agency is building a regulatory structure through guidance rather than statute. That structure now includes the March Interpretive Release, the innovation exemption under Project Crypto, and the September 25 FAQ. Together, they represent the most defined regulatory environment XRP has operated in.

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 advised to conduct thorough 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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Crypto commentator X Finance Bull examined the document and shared his breakdown on X. The number that caught everyone’s eye was the $3,300 XRP price target.

What the Model Says

Roberts builds his scenario around three assets. Gold serves as the store of value. Oil functions as the flow. XRP acts as the bridge between sovereign assets, commodities, currencies, stablecoins, and tokenized deposits.

The model assigns 261.5 million ounces of U.S. gold a value of $25,000 per ounce, totaling $6.54 trillion. It then prices 10 billion XRP at $3,300 each, producing a $33 trillion valuation. Combined, the two assets reach roughly $39.54 trillion.

Roberts explicitly calls this “Illustrative scale.” It is his scenario, built to show what the system architecture would need to look like.

WHAT!? $XRP AT $3,300?

Boyd Roberts put “THE GREAT SOVEREIGN RESET” into the SEC’s official rulemaking files.

I went through the entire model, and the $3,300 number isn’t even the craziest part.

First, understand what this actually is.

This is Rulemaking Petition 4-867,… pic.twitter.com/axDkIRFRXr

— X Finance Bull (@Xfinancebull) September 19, 2026

The Infrastructure Behind the Number

The $3,300 figure does not rest on retail demand or exchange activity. Roberts describes specific conditions required to support it. Those conditions include central-bank collateral eligibility, official conversion facilities, sovereign settlement demand, multinational reserve allocations, deep market-making pools, and controlled XRP supply.

X Finance Bull notes that this shifts the entire question. It becomes less about a price pump and more about whether XRP ever achieves recognition as institutional collateral and sovereign liquidity infrastructure.

Where Things Stand Today

X Finance Bull points to several developments that put this scenario in the current context. The U.S. already holds a Digital Asset Stockpile. The SEC’s March 2026 interpretation identifies XRP explicitly as a digital commodity.

RLUSD has reached roughly $2.3956 billion in circulation, backed by approximately $2.5177 billion in reserves. Ripple Prime clears over $3 trillion annually for more than 300 institutional customers.

On September 17, the SEC created a five-year pathway for tokenized U.S. stocks to trade through permissioned liquidity pools running on public permissionless blockchains. X Finance Bull describes that structure as “extremely close to the architecture Roberts describes.”

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The One Catalyst Roberts Identifies

Roberts identifies one catalyst that would elevate the thesis: official sovereign recognition of XRP as collateral, reserve, settlement, or strategic-liquidity infrastructure. That has not happened. Roberts uses the petition to map exactly what the system would require if it did.

X Finance Bull argues Petition 4-867 holds value beyond the headline number. The structural conditions it describes have not yet converged.

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 advised to conduct thorough 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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The SEC issued an order granting temporary, conditional exemptive relief to Tokenized Securities Venues (TSVs), opening a regulated path for on-chain trading of tokenized National Market System (NMS) stock.

Atkins described the move as “a significant step forward, within its statutory authority, to bring America’s capital markets into the digital age.” The order arrives days after the U.S. Senate failed to pass the CLARITY Act. With Congress unable to deliver a statutory framework, the SEC stepped in and acted on its own authority.

Today, we are taking a significant step forward, within our statutory authority, to bring America’s capital markets into the digital age by facilitating onchain trading of certain tokenized stocks through the "Innovation Exemption." https://t.co/BQK0cS70lH

— Paul Atkins (@SECPaulSAtkins) September 17, 2026

The Innovation Exemption Explained

The order exempts TSVs from the standard definition of “exchange” under the Securities Exchange Act of 1934, allowing them to trade tokenized NMS stock through permissioned automated market makers and AMM Liquidity Pools.

TSVs also set the access standards that determine who can participate in those pools. Liquidity providers operating within a TSV receive a conditional exemption from the “dealer” definition under the Exchange Act, covering those who supply tokenized NMS stock using proprietary capital.

A Significant Development for Crypto and XRP

The Innovation Exemption signals a regulatory environment that is actively accommodating blockchain-based financial infrastructure. XRP, which Ripple has long positioned as a settlement and liquidity asset for institutional transactions, stands to benefit from this regulatory landscape. This is because it formally recognizes on-chain markets as a valid venue for securities trading.

Requiring smart contracts to be deployed on public, permissionless distributed ledgers establishes blockchain transparency as a regulatory standard. This aligns the SEC’s expectations with the architecture crypto networks already operate on.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The Road Ahead

The CLARITY Act’s failure in the Senate was a setback, but Atkins has made clear that crypto regulation will move forward regardless. He has consistently said statute is the preferred path because it is not easily reversible. The Innovation Exemption means the SEC is not waiting.

For the crypto market, a regulator actively building frameworks rather than filing enforcement actions represents a fundamental shift. The foundation for a regulated onchain financial system is being laid. The CFTC has made a similar commitment to advance crypto regulation, and the next few weeks could be significant for the crypto space.

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 advised to conduct thorough 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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