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Garlinghouse first gave 80% odds of April passage on Fox Business on February 19, revised to end of May at the FII Priority Miami Summit on March 27, and reaffirmed end of May at the Semafor World Economy Summit on April 13.He says the stablecoin yield dispute that paralysed the bill since January is close to resolution, and that the current level of frustration in Washington is historically the signal that compromises finally get made.Senator Thom Tillis confirmed he will ask Banking Committee Chairman Tim Scott to schedule a markup when the Senate returns May 11, with the earliest realistic date for a committee vote also the week of May 11.

The bill has over 120 firm backers including Coinbase, Kraken, Circle, and Andreessen Horowitz and holds public support from the White House, SEC Chair Paul Atkins, and Treasury Secretary Bessent.Senators Cynthia Lummis and Bernie Moreno have both said independently that failure to pass the CLARITY Act in 2026 means the next window opens no earlier than 2030.The CLARITY Act must still clear a Banking Committee markup, a 60-vote Senate floor threshold, reconciliation between Banking and Agriculture Committee versions, reconciliation with the July 2025 House text, and Trump’s signature.

XRP TAS allows institutional investors to execute large block orders for both nano XRP and full-sized XRP futures at the official 4 PM settlement price, removing intraday price exposure that increases execution costs at volume.The tool places XRP on the same operational footing as traditional commodity futures, directly following the SEC and CFTC’s March 2026 joint classification of XRP as a digital commodity.A Coinbase and EY-Parthenon survey found that 25% of institutional investors plan to add XRP to their portfolios in 2026, with 65% citing regulatory clarity as the primary condition holding them back.

David Schwartz said the $10,000 XRP prediction does not match normal market behavior.Schwartz said old XRP comments were about liquidity needs, not a future price promise.He also rejected claims of hidden government XRP deals, calling them conspiracy theories.

XRP Las Vegas 2026 runs April 30 to May 1 and draws Ripple executives, regulators, and institutional investors, coinciding with the listing of Ripple’s RLUSD stablecoin on OKX and a formal Ripple-OKX partnership announced April 29.White House advisor Patrick Witt hinted at major new developments for the national Bitcoin strategic reserve in the coming weeks, while speakers at XRP Las Vegas separately argued XRP occupies a different and complementary role as a bridge asset rather than a store of value.XRP is trading near $1.37 as the conference opens, down approximately 62% from its all-time high of $3.65 set in July 2025, as the broader community debates whether institutional adoption can convert conference momentum into price recovery.

Bitcoin ETF products logged $137.77 million in net outflows on April 29, ending a nine-day inflow streak worth $2.1 billion, with every active issuer printing negative for the first time in the streak — including IBIT at $54.73 million and FBTC at $36.13 million.Glassnode data show Bitcoin is “trapped” below its True Market Mean at approximately $78,000 to $79,000, with perpetual futures at their most negative level on record — a positioning setup that contains both downside risk from continued selling and upside potential from a short squeeze if spot demand returns.April closed with $2.44 billion in total Bitcoin ETF net inflows, a strong monthly reversal despite the late-month outflow pressure, with XRP ETFs the only product category to print positive flows on April 29 at $3.59 million.

The Evernorth XRP board now includes Robert Kaiden (OpenAI Foundation CFO), Derar Islim (Antalpha COO), Ted Janus, and Ripple CLO Stuart Alderoty, creating a governance structure that bridges AI, crypto, and traditional finance.Evernorth has raised over $1 billion in gross proceeds from investors including Ripple, SBI Holdings, Pantera Capital, Kraken, and Arrington Capital, with Ripple Labs contributing 126.79 million XRP directly.The company currently holds over 473 million XRP in treasury, valued at approximately $656 million, and plans to become the largest publicly traded XRP treasury company on Nasdaq.

Rakuten Wallet now lets users convert loyalty points into XRP and trade the asset.XRP can be used for QR payments across more than 5 million Japanese merchants.Santiment said XRP hit its second-highest bullish social sentiment in two years.

BNB Chain’s AI agent count grew from a minimal base in January 2026 to over 150,000 deployments by April, driven by the network’s low fees, high throughput, and developer tooling for autonomous agent deployment.Binance’s Agentic Wallet is a keyless wallet architecture specifically designed for AI agents, allowing automated trading and transfers within defined parameters without the bot touching the user’s main account keys.BNB price held above $625 during the broader April 28 to 29 market decline, with analysts citing BNB Chain’s structural AI agent demand as a driver of relative price resilience compared to Ethereum and XRP.

The $59 million transaction used Ripple’s RLUSD stablecoin on the XRP Ledger and settled for a fee of $0.000188, less than one cent, while SWIFT-based settlements of equivalent size typically take two to three business days and cost significantly more.The settlement was flagged by crypto researcher Ripple Bull Winkle on X and cited in Coinpedia as evidence that the XRP Ledger’s settlement capabilities are functioning at institutional scale, not just in testing environments.RLUSD was launched in December 2024 and has since reached a market capitalization approaching $300 million, with adoption expanding across enterprise payment providers including BKK Forex and iSend.

The 970,430 LINK withdrawal on April 27 was worth approximately $8.95 million at the time and represents the largest single-day net outflow for Chainlink since December 2, 2025.Exchange reserves have fallen consistently since April 3, when a 15-million-token inflow spike pushed reserves to their 30-day peak of 141.5 million tokens before a sustained withdrawal trend reversed the entire move.LINK was trading near $9.23 with an RSI of 42.31, below all three major moving averages, with the $9.50 level as the near-term resistance analysts identify as the breakout trigger.

Lummis said the House passed the CLARITY Act, the Senate Agriculture Committee cleared it, and the White House supports it, a tri-branch alignment she described as unusual and fragile in a midterm election year.The bill would permanently convert the March 2026 joint SEC-CFTC commodity classification of Bitcoin, Ethereum, and XRP into federal statute, removing the risk of a future regulatory reversal under a different administration.Lummis said key provisions are almost 99% resolved and the earliest possible markup is the week of May 11, after the Senate returns from its upcoming weeklong recess.

Ripple is expanding its partnership with Bullish to give Ripple Prime clients direct access to Bullish’s regulated Bitcoin options market.Bullish says its Bitcoin options venue is the world’s second-largest crypto‑settled BTC options market by open interest.Ripple and OKX are also partnering to bring RLUSD to compliant markets, as Ripple Prime scales institutional brokerage after a $1.25 billion prime‑broker acquisition.

The filing does not formally classify XRP as a commodity under federal law, but names it as an example of an eligible asset under the exchange’s updated generic listing standards for commodity-based trust products.Qualifying assets are those that underlie futures contracts traded on designated markets for at least six months and are associated with existing exchange-traded products, a bar Bitcoin, Ethereum, Solana, and XRP all meet.The SEC has opened the proposal for public comment and can approve, reject, or open further proceedings, with the comment window expected to run 21 to 45 days from the April 27 notice.

Travelex Bank is using Ripple Payments to cut transaction costs and enable near-instant settlement for cross-border transfers, building on the On-Demand Liquidity integration first launched in August 2022.The US Faster Payments Council report identifies Ripple alongside Stellar as leading innovators within the G20’s framework for faster, cheaper, and more transparent global payments by 2030.The G20 roadmap targets 75% of cross-border transfers credited within one hour and costs as low as one cent per transaction by 2027, benchmarks that Ripple’s ISO 20022-compliant infrastructure is designed to meet.

XRP ETF products logged $81.63 million in April inflows through April 24, surpassing February’s $58.09 million to become the single strongest month of 2026.The funds have not recorded a single outflow day since April 9, the longest positive streak in XRP ETF history, with the week ending April 17 delivering $55.39 million alone.XRP held near $1.43 on April 24 despite the record inflows, with nearly 35 million XRP leaving exchanges and raising analyst expectations of reduced near-term sell pressure.