Ripple CEO Brad Garlinghouse is projecting a 90% probability that the Digital Asset Market Clarity Act will pass by the end of April, signaling a potential breakthrough in U.S. crypto regulation. Speaking with Fox Business, Garlinghouse noted that a "logjam" in Washington is breaking after months of Senate delays, with the White House setting a March 1 deadline for stablecoin negotiations.

The Clarity Act, which passed the House in July 2025 with a bipartisan 294-134 vote, has been stalled in the Senate over jurisdictional disputes. Garlinghouse highlighted recent high-level meetings between banking leaders and crypto executives as evidence of shifting momentum. SEC Chairman Paul Atkins has confirmed that the SEC and CFTC are coordinating through "Project Crypto," suggesting a move away from "regulation by enforcement" toward a structured framework.

For XRP investors, the bill's passage represents the "final box to check" for institutional adoption. While Ripple secured a landmark court ruling that XRP is not a security, federal legislation would codify that status into law. Garlinghouse noted rising interest from corporate treasurers in stablecoins and cross-border payment utility, with Ripple having deployed $3 billion in acquisitions since 2023 to bolster its infrastructure. If the April timeline holds, analysts expect a rapid rotation of capital back into large-cap tokens with proven utility.