Want to know what the CLARITY Act says about XRP? Here are the key sections to review.

Impact on XRP Status

Section 105 of the CLARITY Act would define digital assets as commodities, moving XRP out of SEC jurisdiction and under the CFTC. This could cement Judge Torres’s ruling that secondary‑market XRP sales are not securities into federal law. By classifying XRP as a commodity, the bill provides a stronger legal shield for the token.

Regulatory Requirements for Exchanges

Section 110 obliges digital‑commodity exchanges, dealers and brokers to register for AML compliance and follow the Bank Secrecy Act. It introduces “mature blockchains,” a category that would fall under CFTC oversight; the XRP Ledger already meets this criteria. The provision formally recognizes XRP as a digital commodity, solidifying its regulatory standing.

Opportunities for Ripple and RLUSD

Section 401 permits banks, credit unions and financial holding companies to use digital assets for payments, custody, clearing and settlement, opening U.S. banks to Ripple’s infrastructure. Section 404 bans passive yield on stablecoins but still allows activity‑based rewards such as staking and governance, shaping how RLUSD can be offered. Together, these sections could broaden Ripple’s market access and enhance RLUSD’s utility.