Ripple’s fearless leader, Brad Garlinghouse, has gazed into his crystal ball (or perhaps just his teacup) and declared a 90% chance of U.S. crypto law by April. Stablecoins, he says, are about to become the new black-or at least the new shiny thing everyone’s talking about.
Yes, you heard it here first (or maybe second, depending on how fast you read). Brad Garlinghouse, the man who’s spent more time in court than a soap opera lawyer, is now betting on lawmakers to get their act together. He reckons there’s a 90% chance of crypto legislation by April. Because, as we all know, nothing says “progress” like a bunch of politicians arguing over whether a token is a security or a commodity. Spoiler: it’s probably both, and neither, and a bit of a headache.
The CLARITY Act: Because Nothing Says Clarity Like More Acronyms
Garlinghouse is all aboard the CLARITY Act train, a bill so named because it’s supposed to bring clarity to the digital asset world. Of course, in true bureaucratic fashion, it’s more likely to bring confusion, debate, and a few more gray hairs to anyone trying to understand it. But hey, at least it’s a step in the right direction-assuming that direction isn’t a cliff.
Great to be back on with [insert name of person nobody remembers] discussing Ripple’s banner year and accelerating momentum as we start 2026. Already, we are actively seeing Boards and CEOs pushing their CFOs and treasurers to understand how they can leverage and benefit from stablecoins. For… what, exactly? Well, that’s still up for debate.
– Brad Garlinghouse (@bgarlinghouse)
Meanwhile, the Senate Banking Committee is gearing up for their markup phase, which is just a fancy way of saying they’re going to argue about stablecoin yield mechanisms until someone throws a chair. Negotiations are moving at the speed of a snail with a hangover, but Garlinghouse remains optimistic. Because why not?
Related Reading: Big Banks Slam Brakes on Crypto Charters – Ripple, Coinbase Targeted! | Live Bitcoin News
Garlinghouse insists that perfection is the enemy of progress, which is a nice way of saying, “Let’s just get something done before we all lose our minds.” He points to Ripple’s epic legal battle with the SEC as Exhibit A in the case for clear regulations. Because nothing says “innovation” like a multi-year court fight that leaves everyone confused and exhausted.
He’s also calling on the industry to support workable legislation, because apparently “workable” is the new “perfect.” And he warns that waiting for the ideal policy is like waiting for a unicorn to deliver your pizza-it’s not happening.
Market participants, meanwhile, are busy complaining about regulatory ambiguity, which has apparently been a major factor in investment flows and product launches. Because nothing says “let’s invest millions” like not knowing if what you’re investing in is legal.
Stablecoins: The Corporate World’s New Shiny Toy
Garlinghouse claims that corporate boards are suddenly very interested in stablecoins, which are apparently the new gateway drug into the world of blockchain. Treasury departments are now eyeing them for settlement efficiency, liquidity management, and cross-border payments. Because who needs traditional banking when you can have a digital token that’s probably worth a dollar?
He predicts new highs for the cryptocurrency market by 2026, thanks to institutional capital flows. Big players like BlackRock and Vanguard are diving headfirst into digital assets, and even President Donald Trump might sign a crypto bill. Because if there’s one thing Trump loves, it’s signing things and taking credit for them.
Improved regulations, Garlinghouse says, could speed up adoption in payment systems and capital markets. And defined classifications might just stop everyone from arguing about what’s legal and what’s not. It’s almost like clarity is a good thing-who knew?
Stablecoins are already being used for remittances, settlements, and liquidity transfers worldwide, which is great news for businesses looking to save time and money. Unless, of course, the whole thing collapses, but let’s not think about that.
Garlinghouse is optimistic about regulatory progress, which he says could open the door to more innovation in financial infrastructure. Because nothing says “innovation” like a bunch of lawyers and politicians getting involved.
Whether Congress will meet the April deadline is anyone’s guess, but one thing’s for sure: the debate is only getting louder. And in the world of crypto, that’s saying something.
So, will we have crypto law by April? Only time will tell. But in the meantime, grab your popcorn and enjoy the show. Because if there’s one thing Terry Pratchett taught us, it’s that bureaucracy is a lot like a wizard’s staff-it’s long, it’s confusing, and it’s probably going to hit someone in the face.
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2026-02-20 08:39