Ripple Pushes XRP Expansion as US Lawmakers Advance Crypto Clarity Bill

Ripple is intensifying its push to expand the XRP ecosystem as U.S. lawmakers move closer to shaping a comprehensive digital asset rulebook—an effort the company believes could materially reduce regulatory uncertainty for XRP and broaden its institutional reach. The renewed focus comes as XRP trades near a widely watched technical support zone, leaving markets sensitive to any signal that could shift sentiment.

In an interview with Fox Business on Thursday ET, Ripple CEO Brad Garlinghouse placed himself squarely in the center of the U.S. policy debate, arguing that JPMorgan CEO Jamie Dimon is doing a “disservice” to the public discussion around crypto regulation. Dimon has long been one of the industry’s most vocal skeptics, and Garlinghouse suggested that high-profile criticism risks skewing lawmakers’ understanding at a pivotal moment for legislation.

The exchange lands as Congress debates the CLARITY Act, a proposal designed to draw clearer lines between digital assets treated as ‘securities’ and those treated as ‘commodities,’ with the aim of defining which federal agency has primary oversight. For Ripple—fresh off years of legal conflict with the U.S. Securities and Exchange Commission—regulatory ‘clarity’ is not an abstract talking point but a commercial imperative. Garlinghouse has repeatedly argued that a more explicit framework would lower XRP’s ‘risk premium,’ improve access for institutions, and make it easier for U.S. market participants to engage with XRP-linked products and services.

Beyond its policy advocacy, Ripple used the same media appearance to highlight a product initiative aimed at developers: an AI-integrated toolkit designed to make it easier to build applications on Ripple’s infrastructure. While the company did not provide detailed technical specifications, the messaging underscored a strategic shift from being viewed purely as a payments-focused network toward positioning Ripple as a more developer-friendly platform ecosystem.

The bet is aligned with a broader industry trend in which AI and blockchain are increasingly paired to streamline development, automate workflows, and enhance user-facing applications. If Ripple can translate the toolkit into meaningful adoption, XRP’s utility narrative could expand beyond cross-border settlement and liquidity provisioning into a wider application layer tied to real developer activity.

Market conditions, however, remain mixed. XRP was trading around $1.13 as of Thursday 10:00 a.m. ET, up 2.05% over the past 24 hours on approximately $1.58 billion in trading volume. XRP’s market capitalization stood near $70.4 billion, representing about 3.24% of the total crypto market. Despite the modest rebound, recent performance has been pressured: XRP is down 20.96% over 30 days, 14.83% over 60 days, and 18.34% over 90 days.

Fox Business noted that traders are closely monitoring a ‘key support’ region, framing the current price band as a technical inflection point. Supply metrics remain unchanged: circulating supply is about 62.05 billion XRP out of a fixed maximum of 100 billion, leaving XRP’s token economics stable even as attention shifts to regulation and ecosystem growth rather than protocol-level upgrades.

Taken together, Garlinghouse’s comments outline a three-part playbook: engage directly in the legislative process surrounding the CLARITY Act to reinforce XRP’s legal footing; use AI-driven tooling to deepen developer traction; and, if regulation becomes more predictable, scale offerings tailored to enterprise customers and institutional investors. With no major mainnet upgrade or tokenomics change on the table, the next phase for XRP is likely to hinge on two variables—how quickly U.S. lawmakers deliver ‘regulatory clarity,’ and whether Ripple’s AI toolkit can drive measurable ecosystem adoption in the quarters ahead.