GENIUS Act Clear Road for Ripple RLUSD and XRP vs USDT

Published: 2025-07-21 19:14:11 |

Di U.S. House GENIUS Act don set clear regulatory framework for stablecoins, wey classify issuers as financial institutions under the Bank Secrecy Act. E require make stablecoins get 1:1 USD backing, do annual audits, and strong AML/KYC controls. Dis regulation don push banks like JPMorgan, Citigroup and Bank of America to explore or issue bank-backed tokens. Payment big boys like Visa, Mastercard and PayPal don already integrate regulated stablecoins, show say wider institutional adoption dey happen. For Ripple, GENIUS Act dey speed up launch of RLUSD, their XRPL-based stablecoin wey fully backed by USD and short-term Treasuries. Real-time, SWIFT-agnostic settlements for XRP Ledger dey increase demand for XRP and position RLUSD/XRP as tools to globalize digital dollar layer by tokenizing U.S. debt. Analysts dey predict say dis compliance framework go bring institutional flows into regulated assets. Tether’s USDT dey face challenge under new rules: im multi-asset reserves and lack of independent audits no gree with 1:1 USD/Treasury requirement. Traders fit move capital to transparent alternatives like RLUSD and USDC. GENIUS Act’s 18–36 month compliance window mark turning point, usher new era of institutional-grade stablecoins and blockchain-based dollar tokens.

Bullish

Di GENIUS Act clear regulation dey reduce uncertainty for stablecoins and e dey classify issuers under established banking rules. By mandate 1:1 USD backing plus strict audits, e dey boost institutional trust. Banks and payment firms wey dey enter compliant tokens dey signal big capital inflows. For Ripple, RLUSD launch for XRPL plus better real-time settlement use cases dey boost demand for XRP. Historical precedent show say when regulatory hurdle fall and institutional channel open, trading volume and prices go rise. Short-term traders go dey bid XRP before RLUSD deployment, meanwhile long-term fundamentals go strong as tokenized U.S. debt and proper compliance dey attract institutional liquidity.