Regulatory clarity has remained one of the key issues shaping the outlook for institutional participation in the digital asset market. Crypto commentator Stellar Rippler recently cited remark
Regulatory clarity has remained one of the key issues shaping the outlook for institutional participation in the digital asset market. Crypto commentator Stellar Rippler recently cited remarks by Ripple CEO Brad Garlinghouse as evidence that clearer U.S. regulations could accelerate institutional adoption of XRP and the XRP Ledger.
Stellar Rippler made the claim in a post on X after Garlinghouse spoke at the inaugural meeting of the U.S. Commodity Futures Trading Commission’s Innovation Advisory Committee on August 20, 2026.
Brad just REVEALED the ONE thing blocking XRP’s EXPLOSION
The only thing holding back institutional-scale adoption of XRP and the Ledger is the Clarity Act.
Once it gets the green light… the floodgates don’t just open, they get BLOWN OFF.
The XRP Ledger has already been… https://t.co/own8sPeFiEpic.twitter.com/Z6KGLZ6oYP
— Stellar Rippler
(@Stellar_Rippler) August 21, 2026
The CFTC confirmed that the committee was established to advise the agency on issues involving technology, law, policy, and finance, with crypto assets and blockchain technology among its focus. Garlinghouse is among the committee’s members.
During the meeting, Garlinghouse discussed Ripple’s experience during its four-year legal battle with the U.S. Securities and Exchange Commission. He said Ripple spent $150 million on outside legal counsel during the dispute and noted that 80% of the company’s hiring during those four years occurred outside the United States.
Garlinghouse said the regulatory environment created significant challenges for companies seeking to develop digital-asset businesses in the country. He stated that the “status quo is not good enough for consumers or for innovation,” calling for clear rules that would protect users, hold companies accountable, and give responsible businesses greater certainty to operate in the United States.
He also said digital-asset technologies can make moving money faster, more efficient and more accessible, but maintained that regulatory clarity is necessary to unlock that potential responsibly.
Stellar Rippler interpreted Garlinghouse’s comments through the lens of the CLARITY Act, describing the legislation as the key factor holding back institutional-scale adoption of XRP and the XRP Ledger.
In the post, the commentator claimed that approval of the legislation could give institutions greater regulatory confidence and lead to increased participation in the XRP ecosystem. Stellar Rippler also pointed to institutional applications and tokenization activity on the XRP Ledger, mentioning treasuries, tokenized stocks, commodities and currencies.
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The commentator further suggested that regulatory approval could increase institutional participation, improve liquidity and contribute to broader price discovery for XRP.
However, Garlinghouse did not specifically identify the CLARITY Act as the single factor preventing XRP adoption during his CFTC remarks. His comments focused on the broader need for regulatory certainty across the digital asset industry.
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