TLDR
- Ripple CEO Brad Garlinghouse predicts a 90% chance the CLARITY Act will pass by the end of April.
- The Digital Asset Market Clarity Act has gained momentum after months of Senate delays and jurisdictional disputes.
- The bill aims to provide clear legal definitions for digital assets and end years of regulatory uncertainty.
- The White House has set a March 1 deadline to push forward negotiations on the CLARITY Act.
- Ripple has invested $3 billion since 2023 to strengthen its custody and treasury infrastructure in preparation for regulatory clarity.
Ripple CEO Brad Garlinghouse has expressed strong confidence in the passage of the CLARITY Act by the end of April. He estimates a 90% chance of success after months of delays and discussions in the Senate. The passing of the bill could end years of regulatory uncertainty for the cryptocurrency market in the U.S.
Senate Momentum Builds for CLARITY Act
The Digital Asset Market Clarity Act, also known as H.R. 3633, has gained significant traction in Washington. The House passed the bill in July 2025 with a solid 294 to 134 vote. However, the Senate initially stalled the bill due to jurisdictional disagreements.
Recently, momentum has picked up after several meetings between banking executives and crypto leaders. Garlinghouse pointed out that these discussions helped break the impasse. Senate Agriculture Committee advanced a related draft on January 29, and SEC Chairman Paul Atkins confirmed that both the SEC and CFTC are now coordinating on “Project Crypto.”
Garlinghouse’s prediction of a 90% chance for the bill’s passage stands in contrast to market estimates. Prediction markets place the chance of the CLARITY Act passing by the end of the year at around 78%. Despite the difference in predictions, Garlinghouse emphasized that the bill is essential for clearing up long-standing regulatory issues.
Great to be back on with @MariaBartiromo discussing Ripple’s banner year and accelerating momentum as we start 2026.
Already, we are actively seeing Boards and CEOs pushing their CFOs and treasurers to understand how they can leverage and benefit from stablecoins. For…— Brad Garlinghouse (@bgarlinghouse) February 19, 2026
A primary concern in Washington is the issue of stablecoins. Lawmakers are debating whether platforms should be allowed to offer yield-style incentives, which delayed Senate Banking discussions earlier this year. The White House has set a March 1 deadline to push forward the negotiations, signaling the importance of timely action.
Ripple Invests to Prepare for Regulatory Clarity
Ripple has not waited for the bill’s passage to prepare for regulatory clarity. Since 2023, the company has invested $3 billion in acquisitions to strengthen its custody and treasury infrastructure. These moves position Ripple to take advantage of future regulatory certainty once the CLARITY Act passes.
Garlinghouse also highlighted Ripple’s success in securing a court ruling that XRP is not a security. This ruling has provided Ripple with much-needed clarity, a situation many in the industry are still waiting for. He stressed that the industry needs clear rules, not just enforcement actions, to move forward.
With the CLARITY Act now at a critical juncture, the bill’s passage could reshape the regulatory landscape for the U.S. cryptocurrency sector.
