TLDR
- The U.S. Senate passed the GENIUS Act, establishing a federal framework for stablecoin regulation.
- Ripple launched RLUSD in 2024 and it has grown to a market cap of $415 million.
- RLUSD is backed 1 to 1 by U.S. dollar reserves and short-term government bonds with monthly third-party audits.
- Ripple holds over 50 money transmitter licenses across U.S. states including approvals in New York and Texas.
- The GENIUS Act enhances Ripple’s ability to offer regulated cross-border payment services using RLUSD and XRP.
The recent passage of the GENIUS Act in the Senate strengthens Ripple’s ability to deliver cross-border payment services in the U.S. The legislation creates a clear federal framework for stablecoins, directly aligning with Ripple’s digital finance expansion. With the bill now moving to the House, Ripple stands positioned to leverage both XRP and RLUSD under a nationally recognized regulatory structure.
Ripple Expands RLUSD Reach With Regulation
Ripple launched RLUSD in 2024 to enter the regulated stablecoin market, and the asset has reached a $415 million market cap. The GENIUS Act now reinforces RLUSD’s role by requiring transparency, 1:1 backing, and regular third-party audits. Ripple already complies, holding USD reserves and short-term government debt with monthly attestations.
Big moment for crypto in the U.S. 🇺🇸
Here’s what the GENIUS Act could mean for you:
✅ Stronger protections for your stablecoins
✅ Clear rules for stablecoin issuers
✅ More trust in using crypto for everyday payments and savingsIf signed into law, this first-of-its-kind bill… pic.twitter.com/lECPdUq4lB
— National Cryptocurrency Association (@NatCryptoAssoc) June 19, 2025
State approvals in New York and Texas have strengthened RLUSD’s legitimacy as a compliant payment instrument under U.S. regulatory frameworks. The GENIUS Act complements this by ensuring a federal standard across all states for dollar-backed stablecoins. This coordination allows Ripple to engage U.S. financial institutions more directly using RLUSD.
Ripple holds over 50 active money transmitter licenses across various states, supporting its efforts to scale RLUSD distribution. These licenses grant Ripple legal authority to operate compliant cross-border payment systems using its stablecoin. The company can now extend its services with enhanced clarity and lower legal friction.
XRP Positioned for Broader Utility in Financial Institutions
Ripple also integrates XRP as a core component of its payment solutions, using it to settle transfers across the XRP Ledger. As RLUSD usage rises, XRP demand may increase due to its role in transaction fees and ledger operations. These fees are burned, reducing total XRP supply and supporting its network economics.
The GENIUS Act further strengthens XRP’s classification as a utility token under a regulated infrastructure for digital payments. As institutional partners adopt RippleNet and XRPL-based services, XRP benefits from increased transaction activity. This creates a feedback loop that enhances XRP’s long-term positioning in the regulated digital asset space.
Community researchers emphasize XRP’s compliance advantage due to existing financial licenses and federal guidelines. These elements build confidence among U.S. financial firms looking to integrate tokenized assets in payment systems. With the GENIUS Act in place, XRP’s role as a transaction medium becomes more viable at scale.
Ripple now aligns both RLUSD and XRP under a single, cohesive framework, supported by state licenses and federal legislation. The GENIUS Act provides the legal certainty needed for Ripple to expand its services across institutional markets.
