You might have underestimated $XRP: The GENIUS Act opens up its true value channel.

In the midst of noise and misunderstanding, XRP once again stands at the turning point of the era.

On July 17, 2025, the U.S. House of Representatives passed the "GENIUS Act" (Guaranteed Electronic National Infrastructure for Ubiquitous Stability Act) with an overwhelming result of 308 votes in favor and 122 votes against. The bill was approved by the Senate on June 17 and is currently awaiting President Trump’s signature to take effect. This legislation establishes a federal regulatory framework for "payment-based stablecoins," marking a watershed moment for compliant crypto payments and opening a value channel for the RIPPLE ecosystem and XRP through institutional empowerment.

Many people are still unaware: $XRP is on the brink of being severely undervalued by the market.

1. GENIUS Act: The Institutional Starting Point for Crypto Dollarization

The core content of the GENIUS Act is the comprehensive regulation of "payment stablecoins", with the main provisions including:

1:1 Reserve Support: Stablecoins must be fully backed by cash and short-term government bonds at 100%; Federal Licensing System: Only issuers licensed by the OCC or the Treasury Department are allowed to operate legally; Transparent Audits: Stablecoins must undergo regular audits, and reserve conditions must be publicly disclosed.

Custody requirements: Reserve assets must be managed by a licensed custodian (such as BNY Mellon).

Bankruptcy Priority: User assets enjoy priority repayment status during liquidation.

Prohibition of Interest Payments: Stablecoins must not generate interest to prevent bank-like substitutes.

More importantly, the bill gives the Treasury and OCC regulatory dominance, rather than the SEC, which means that many crypto assets that are controversial in terms of "securities designation" (e.g., XRP) will enter a clearer compliance pathway.

After a three-year transition period, US trading platforms will only allow stablecoins that meet the GENIUS standards to be listed. This policy change is a redefinition of the entire crypto financial payment system.

2. Ripple takes the initiative: $RLUSD enters the stablecoin race

The Ripple network has clearly anticipated the situation and completed its strategic transformation in advance:

$RLUSD (Ripple USD): Ripple's self-developed stablecoin, initially deployed on the XRP Ledger and Ethereum, supporting cross-chain circulation.

Compliant Custody Structure: Reserve assets will be custodied by licensed financial institutions such as BNY Mellon.

Regulatory Pre-adaptation: Its structure perfectly aligns with the GENIUS Act, allowing for priority in obtaining federal compliance approval.

Federal license application in progress: Ripple has applied for compliance qualifications with the OCC and is expected to be among the first batch of "regulated stablecoin issuers."

This is not just an action of "issuing stablecoins"; it is also Ripple's formal leap into becoming a part of the U.S. dollar digital payment infrastructure. It is no longer merely a "cross-border remittance company" but a key node in building the digital layer of the U.S. dollar network.

3. XRP: The value of bridge assets is being re-evaluated.

The GENIUS Act, while centered around stablecoins, indirectly opens up the space for value reassessment of XRP:

Shift in regulatory dominance: The SEC is marginalized in this bill, further diminishing the legal disputes between XRP and the SEC over the years.

Natural bridge role: XRP is designed for inter-chain settlement and liquidity exchange, perfectly facilitating value transfer between $RLUSD, USDC, and CBDC.

Settlement Channels in a Compliant Ecosystem: XRP does not have to be a "stablecoin" itself; it serves as a neutral settlement layer connecting multiple stablecoins and cross-chain assets.

Ripple CEO bgarlinghouse pointed out: "Our goal has never been to replace the US dollar, but to enable the US dollar to flow more efficiently on the chain." This is exactly the role of XRP: to serve as middleware and bridge protocol layer for compliant US dollar payment networks.

IV. Market Reaction: Price Trends Release Institutional Expectations

Funds have never reacted late:

From July 9 to July 17, 2025, the price of XRP rose from $2.29 to $3.48, an increase of over 51%, setting a new high for the year.

This period coincides with the GENIUS Act advancing to Congress for approval, awaiting presidential signature, and the market has already priced in expectations of "institutional dividends."

On-chain data synchronization enhancement: The number of wallets, transaction counts, and holding users continue to grow, indicating the entry of non-speculative capital.

This is not a short-term speculative play, but a value elevation driven by the combination of regulatory implementation + technological adaptation + market perception adjustment.

5. The true value channel of XRP has just been opened.

XRP has long been misunderstood: it is neither a popular DeFi, nor a high-performance Solana-like public chain, nor a stablecoin itself. But it has always been doing one thing: building the underlying protocol layer for a "liquid dollar" in the on-chain financial system.

After the implementation of the GENIUS Act, compliance has become the core standard for cryptocurrency payments, and Ripple is currently one of the few participants that have genuinely entered the institutional framework. XRP is the asset within its ecosystem that possesses the highest liquidity and inter-chain compatibility.

The market is still trapped in the short-term thinking of "too much increase, not enough", ignoring the essential turning point: XRP has evolved from a controversial role in the gray area to the value hub and clearing highway in the future digital dollar system.