Brad Garlinghouse, Ripple’s chief executive, greets the Clarity Act with a grin that is part sunlit optimism and part the refined scepticism of a man who has wrestled with crypto since the days when a blockchain sounded like a fancy word for a very expensive idea. He concedes the Act is essential for giving the industry a regulatory framework in the U.S., even if the weather forecast remains deliciously foggy.
On X, our hero confessed he never imagined eleven years ago that the crypto folk would form a chorus for clarity. If you’d told him then regulation would become the vogue pursuit of the age, he’d have asked for the directions to the nearest tea-house where the economists gather to stroke their chins and smugly nod.
Time to Act
In mid-March, two premier regulators issued a joint interpretive guidance. The SEC Chair, Paul Atkins, declared that most crypto assets are not themselves securities-a remark that felt, for a moment, like turning on a lamp and finding a candle was already there, with only a whisper of wax.
Industry observers call this a de-risking event, while the CFTC Chair spoke of forging a road for crypto with “clear and rational rules of the road,” which sounds a lot like a well-marked lane with no potholes large enough to swallow a motorcar and a cup of tea at the end of it.
In a Semafor World Economy interview, Ripple’s helmsman weighed in, noting that the joint statement signified a turning point-an end to a certain era of legal jousting that never quite matched the law’s own common sense.
“What happened when the SEC and CFTC joined forces was truly groundbreaking in a bunch of ways. From my point of view, it ended an era of lawfare against this industry, which, in truth, didn’t have the law behind it, and that was profound.”
Nevertheless, he added a caution: without codified legislative permanence-the sort of permanence the Clarity Act would lend-the spectre of another Gensler-like regulator could pop up again from the wings.
He remains, on the whole, optimistic about the Clarity Act’s importance, albeit not as feverishly as he once did when the sunrise promised regulation in neat, orderly lines.
11 Years at Ripple
Garlinghouse toasted eleven years at the company behind XRP. He joined in April 2015, served as President and COO for nearly two years, and was promoted to CEO in January 2017. In his X post, he sketched the progress the industry has made since then, especially in its quest for regulatory clarity.
Yesterday, I celebrated 11 years at Ripple. Back then, I couldn’t have imagined we’d still be fighting for regulatory clarity.
The fight has been worth it. After a day in D.C. having splendid conversations with @SenatorHagerty, @berniemoreno, @SenatorTimScott, @JohnBoozman and…
– Brad Garlinghouse (@bgarlinghouse) April 14, 2026
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2026-04-15 09:21