Ripple CEO Sees 80% Chance CLARITY Act Passes by April 2026

Brad Garlinghouse, the CEO of Ripple, has sparked fresh optimism among U.S. citizens by informing them there is 80% probability the CLARITY Act would become law by April 2026. After years of regulatory uncertainty, people find it a ray of hope.

Brad Garlinghouse talked about the conversations that are happening between lawmakers, banks and companies that deal with crypto. They are mostly talking about rules for yields. Even though they do not always agree, he thinks it is really important to find a way to compromise.

• Senate Roadblock: Why the CLARITY Act Is Still on Hold?
• Garlinghouse's 80% Prediction on CLARITY Act
• The Stablecoin Yield Conflict: Core of the Debate
• What Passing the CLARITY Act Could Mean for Crypto?

Senate Roadblock: Why the CLARITY Act Is Still on Hold?

The CLARITY Act, which is also known as H.R. 3633, aims to bring order to cryptocurrency rules in the United States. It tries to figure out the roles of the U.S. Securities and Exchange Commission and the Commodity Futures Trading Commission.

The bill passed in the House in mid-2025. It has been stuck in the U.S. Senate Banking Committee since then. The reason for the delay is that traditional banks and cryptocurrency companies do not agree on some things. Banks are worried that rewards for using stablecoins might make customers move their money out of savings accounts.

On the other hand, cryptocurrency platforms think these rewards are needed to compete with markets around the world. Some lawmakers have made changes to the bill a few times. They go back and forth between making rules and more flexible ones.

Until the committee agrees on a final version and moves it forward, the bill can't go to the whole Senate. The delay is affecting the industry’s ability to move forward with the CLARITY Act.

Garlinghouse's 80% Prediction on CLARITY Act

During his latest discussion, Garlinghouse said there is an 80% probability the bill will pass by April 2026. He also believes that no bill is perfect, but compromise can be a way for U.S. citizens to have clear rules instead of loopholes and uncertainty.

Garlinghouse’s comments also show that there is increased negotiation between private stakeholders and signal that the White House has pushed for a negotiated resolution on stablecoin yield. He also emphasised that they are meeting in late February and early March means that policymakers want to move the bill forward and have a debate in the Senate.

Well, apart from all this, Garlinghouse’s prediction doesn’t come in isolation. Polymarket predicts there is 70%-80% chance that the CLARITY Act will pass soon.

The Stablecoin Yield Conflict: Core of the Debate

Stablecoin yield provision is the most contentious issue blocking the CLARITY Act’s progress. The disagreement is not just about technology, but it strikes at the nucleus of how digital finance competes with traditional banks. Although some senators and bankers believe that allowing unrestricted yield would ultimately drain banks' deposits and thereby it would impact the lending capacity, which would result in financial instability.

On the other hand, crypto leaders say that it is not about paying interest to people, but rather it is about giving a reward. This is necessary if we want to keep U.S. companies competitive with other companies at global platform. Crypto leaders feel that a ban or too strict rules would ultimately push the innovations offshore.

The ideological dichotomy is what led major crypto players like Coinbase to withdraw support from the previous version of the bill, thus forcing the Senate Committee to rewrite and delay markup sessions.

What Passing the CLARITY Act Could Mean for Crypto?

If the CLARITY Act passes in the Senate and becomes law, it could really change things for the U.S. Crypto industry. For years, there has been confusion around regulations. This confusion has kept big investors on the sidelines. The new law would give clear rules.

The bill would clearly state when a digital asset is under the jurisdiction of the U.S. Securities and Exchange Commission and when it comes under the Commodity Futures Trading Commission. This would give companies a roadmap instead of having to guess.

Many in the industry think this clarity would unlock a large amount of institutional money. This money has been waiting for legal certainty. With clear compliance standards, crypto assets could start fitting more naturally into mainstream finance. This could be a turning point, lowering lawsuit risks and encouraging growth at home rather than pushing innovation offshore.

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