The Clarity Act for Crypto Explained

What is the Clarity Act for Crypto — and what does it mean for XRP? In this video, we break down the proposed U.S. market structure legislation often associated with the **Financial Innovation and Technology for the 21st Century Act (FIT21)** and explain how it could redefine digital asset regulation in America. We cover: • Is XRP legally a security? • The difference between the SEC and CFTC • What the Ripple lawsuit actually decided • What “regulation by enforcement” means • How the Clarity Act could impact XRP adoption, ETFs, and institutional capital The lawsuit between the U.S. Securities and Exchange Commission (SEC) and Ripple became one of the most important crypto cases in history. The court ruled that XRP itself is not inherently a security, while certain institutional sales were treated differently. Now, proposed legislation aims to create clearer definitions instead of relying on lawsuits to shape policy. For XRP holders, builders, and investors, regulatory clarity may be one of the most important factors for long-term adoption. This video focuses on structure, law, and infrastructure — not hype.