Ripple CLO Alderoty Breaks Down What Clarity Act Really Means for US Market

While Washington remains stuck in political disputes, in a fresh statement Ripple CLO Stuart Alderoty declared that the Clarity Act market structure bill is not about protecting corporations, but about protecting the everyday interests of 67 million Americans. According to data from the National Cryptocurrency Association (NCA), that represents one in four adult residents participating in the multi-trillion-dollar crypto economy. Ripple's interest in the legislation is pragmatic because, according to NCA data, California is the leading state by number of digital asset holders. The state, which is home to San Francisco-based Ripple, accounts for around 9.5 million crypto holders. Earlier, Ripple CEO Brad Garlinghouse stated that the bill is closer to adoption than ever before.

The Clarity Act isn't about protecting an industry. It's about protecting everyday Americans who deserve clear rules when they participate in the multi-trillion dollar crypto economy.

67 million Americans already hold crypto. The data is in. It's time.

See how many holders are…

— Stuart Alderoty (@s\_alderoty) May 20, 2026 After the Senate Banking Committee officially approved the document with a strong bipartisan 15-9 vote, the bill entered the final stage of the legislative process. Market expectations surged immediately. A full Senate vote is expected within the next month, while prediction markets currently estimate the chances of the bill passing this year at 80%. The legislation received an additional boost from the position of the U.S. administration, which is pushing for the final approval of the Act before Independence Day on July 4. Despite successfully passing the Banking Committee and resolving disagreements surrounding stablecoins, one final round of negotiations remains before the full Senate vote. The discussions are focused on ethical standards for government officials and their family members.

What does the Clarity Act change for Ripple and XRP?

For Ripple's product lineup, the legislation opens a direct gateway to American capital. The compromise reached in Washington regarding payment tokens effectively gives the green light for expanding the in the U.S. market. For , a clear distinction between payment stablecoins and investment assets would legitimize cross-border settlements using the token and fully protect the ecosystem from sudden attacks by U.S. regulators. Ripple would gain predictable rules of the game and the ability to seamlessly connect XRP with the new stablecoin, transforming the United States from a zone of legal risk into the company's main growth driver.