Speaking at Binance Blockchain Week, Ripple CEO Brad Garlinghouse signaled a pivotal shift in U.S. crypto regulation, declaring that Washington is moving beyond its long-standing hostility toward digital assets. “Yes—flat-out, yes,” he said without hesitation.
Pointing to the rapid reversal in U.S. policy sentiment, Garlinghouse said the market is now stepping into long-awaited regulatory clarity.
He noted that investors are underestimating the significance of this turning point, which could unlock a new wave of institutional participation in crypto.
Regulatory Framework and Institutional Interest
Fueling this optimism is the proposed Clarity Act, a long-awaited framework poised to establish clear U.S. rules for digital assets. While it won’t pass this year, Garlinghouse believes it could clear Congress by early 2026, unlocking regulatory certainty and accelerating crypto’s path into the financial mainstream.
Garlinghouse said institutional players are already positioning for the shift, with banks, asset managers, and fintech firms racing to deploy capital and infrastructure once regulatory clarity lands.
The pace of this preparation, he noted, signals that the U.S. crypto market is nearing a tipping point. Ripple stands to be a prime beneficiary, with the XRP Ledger’s fast, low-cost, and scalable settlement positioning it to bridge traditional finance and tokenized markets.
“Once clarity arrives,” he said, “it will unleash a wave of activity the market is still underpricing.”
The U.S. crypto market is flipping from regulatory fog to strategic opportunity. The Clarity Act is poised to unlock institutional capital, accelerate innovation, and reassert America’s leadership in digital assets.
Conclusion: A Pivotal Moment for Digital Assets
Garlinghouse’s remarks signal more than a shift in rhetoric; they point to a pivotal moment for the U.S. digital asset market. With the Clarity Act moving closer to reality and institutions rapidly scaling their crypto strategies, the race for early positioning is already in motion.
Regulatory certainty could unlock massive flows of capital, accelerate innovation, and drive real-world adoption across payments, banking, and asset tokenization. If the timeline holds, early 2026 may deliver more than clarity; it could spark the next institutional-led crypto cycle.