The US Congress bill energises debate over the future of XRP. Although some enthusiasts have seen a clear route for classification merchandiseOthers warn that decentralization testing could be a prominent obstacle to Ripple’s tokens.
Legislative articles approved by the House of Representatives on July 17, 2025 and called the Act for Payment Assets Pending Review in the Senate (Clarity Act) seeks Seekks Establish a clear regulatory framework To determine whether a digital asset is in value (under the jurisdiction of the SEC), or merchandise (Under CFTC).
Optimism was crystallized by a message posted by user XAIF_CRYPTO. He suggested that the law could become the “green light” that XRP had been waiting for. This vision has been shared by others, such as user Dewmboom: Previously, the SEC (Bag and Securities Commission) completely dismissed the lawsuit against Ripple, which is another sign of bullishness.
There is a basis for this hope Possibility of law granting XRP and merchandise o Basic digital products are under the jurisdiction of the Basic Product Future Negotiation Committee (CFTC).
For assets such as Bitcoin, where decentralization is widely recognized, this path seems almost certain. But for XRP, the story is much more complicated. The debate is not new, and the legal battle between Ripple Labs and the SEC serves as a test area for both sides’ arguments.
User davfish88 protects posture In favorDiscussion: «Did you know that XRP does not have an ICO (initial currency offer)? Why do they label it as a value? I don’t think that will happen. In my opinion, as soon as a clear law is approved, it is under the jurisdiction of the CFTC». He then reaffirmed his conviction: «Time tells us. I think XRP will be labeled as a product. And that’s going to happen this year, in 2025».
Road obstacles
But not everyone shares this optimism. This is because Decentralization tests that require draft clausesif President Donald Trump is approved by Congress.
X user, oxxyy13 offers a different perspective. For him, XRP faces his biggest challenge: «Solana and XRP risk, among other things, failing due to centralized control of the baritler or token. (…)XRP faces a similar problem with ripple control over token power supplies».
This criticism coincides with the arguments of Spanish financial analyst Jose Luis Cava. Jose Luis Cava is overwhelmed in this regard, saying, “XRP is a technically complete network, but market prices are managed by a single entity.”
According to Cava, the central issue is the supply of XRP. This was created with 100 billion pre-printed tokens. With this token, Ripple Labs still has about 42% of the total. The majority of this total is in guaranteed deposit accounts (escrow), from which it is released to 1 billion XRP each month. “The fact that only one entity can control offers is inconsistent with the fundamental principles of digital asset markets that decentralization seeks,” Kaba explained.
This point is repeated by community skepticism, such as Chad Collins, which was direct when “Ripple Company has a majority token, but is not decentralized at all.” He believes the reason a judicial case has not yet been resolved is because it is labelled as value. “Wait, XRP is a complete trap for retailers and works,” he added.
All of this must be added to the opinions of some members of the Bitcoin community. The Bitcoin community is “XRP is a CBDC disguised as a cryptocurrency.”
XRP works like a hybrid cryptocurrency. This means it works on both the XRP ledger (XRPL), a relatively decentralized public network, as well as private platforms such as Ripple CBDC Private Ledger and Ripple Payments.
This duality is permitted XRP is a means of change in distributed and private systemshowever, since not all transactions are publicly available, fragmentation can be generated. This could hide some of the XRP supply operations if synchronization with the public registry is not guaranteed.
Greater benefits
However, there are others in the community who set the Ripple ecosystem as their gaze, but not so much for XRP values. In this comment, user Max Avery: “Ripple has a robust ecosystem.”
The context was added by analyst Nico Cabrera. Ripple’s strategy. The company requested a National Bank license before the office of the Director General of Laneda (OCC) before the Fed Master Account through standard custody, a company under its control.
With a banking license, Ripple operates as a federal-level regulated bank, creating greater trust between institutions and governments, enabling the provision of advanced financial products, and placing its stable financial product RLUSD as an option to competitors such as USDC and USDT.
The Fed’s master accounts could allow direct Ripple access to the Federal Reserve to preserve RLUSD reserves, eliminate risks associated with intermediary banks, integrate RLUSD as the largest security stablacoin, and be considered an attractive public-private solution for the US government.
Nico Cabrera, analyst at the Ripple Ecosystem.
Therefore, based on these strategic movements, they can not only strengthen the position of RLUSD in the growing stubcoin market, which was valued at 25,000 million, but also indirectly increase the value of XRP.
Therefore, based on this analysis, Ripple will benefit from clear laws, but will further hinder the genius law already signed by President Trump.
In the case of XRP, clear laws are more important to resolve legal issues that have affected recruitment. It is likely to increase the value and adoption of long-term XRP.
In the short term, genius behavior may be more relevant to Ripple’s institutional ambitions.