XRP News Today: GENIUS Act Boosts XRP Utility, Drives 10% Gain in RLUSD Adoption

The crypto world is abuzz with the passage of the GENIUS Act, a legislation that extends its impact far beyond stablecoins. The Act is primarily designed to regulate USD-backed tokens like RLUSD, but its provisions could also significantly influence the future of XRP by enhancing its adoption, utility, and regulatory standing within the U.S. financial system.

SMQKE, a prominent crypto researcher, highlighted that RLUSD has gained credibility through this Act, and XRP’s utility has increased. This perspective is supported by excerpts from a policy analysis document that outlines how the GENIUS Act’s mechanisms could drive adoption and reshape institutional sentiment.

Under the GENIUS Act, stablecoins must adhere to stringent reserve, audit, and licensing requirements. RLUSD is expected to meet these standards, which could enhance its credibility and drive increased institutional adoption. This development is particularly significant as large financial players evaluate which digital assets they can legally integrate into payment flows.

Since RLUSD operates directly on the XRP Ledger (XRPL), every transaction involving the stablecoin includes a small XRP-denominated fee. These fees are burned, and this deflationary mechanism, combined with growing RLUSD activity, suggests rising XRP utility. The document affirms that RLUSD’s adoption could lead to heightened demand for XRP. Moreover, RLUSD’s role in remittances and cross-border payments positions XRP as a bridge asset for liquidity provision, particularly in systems requiring real-time settlement and transparency.

Though XRP is not a stablecoin, its integration within a regulated framework under the GENIUS Act could influence its regulatory classification. The document notes that if the Act sets a precedent for digital asset classification and oversight, XRP could more easily be recognized as the utility token it is.

Another important point is how the digital assets could position themselves against central bank digital currencies (CBDCs). The document revealed that the GENIUS Act levels the playing field by formalizing stablecoin integration into financial systems. The U.S. government has once again given the crypto market an avenue for growth. For RLUSD and XRP, it could mark the beginning of a new phase in institutional adoption and growth.