Why U.S. lawmakers signing against CBDC could be bullish signal for XRP?

U.S. congressional debate over a Federal Reserve digital currency has entered a decisive stage as lawmakers push to restrict CBDC development.

A letter from Representative Michael Cloud urges congressional leaders to strengthen restrictions within the 21st Century ROAD to Housing Act.

Initially, the Senate version proposed a temporary CBDC prohibition until December 2030. However, lawmakers argue the language weakens earlier efforts to impose a permanent ban.

This proposal builds on H.R.1919, the Anti-CBDC Surveillance State Act, which previously passed the House with bipartisan backing. At the same time, 14 representatives signed the letter, signaling growing political resistance to a government digital dollar.

Meanwhile, global CBDC experimentation continues to accelerate.

Roughly 137 jurisdictions now explore digital currencies, while 49 operate active pilot programs. Against this, the U.S. policy stance increasingly favors private infrastructure.

XRPL transaction growth signals renewed network activity

However, the recent reversal introduces a different dynamic. Daily activity now averages roughly 2.5 million transactions, indicating renewed network engagement across payments and tokenized asset transfers.

At the same time, tokenization activity on the ledger is expanding. Represented Asset Value has reached about $1.49 billion, while Distributed  Assets  Value climbed to roughly $453 million.

Meanwhile, transfer activity has accelerated sharply. Over the past 30 days, RWA transfer volumes surged 1,282% to $139.85 million, reflecting growing financial flows across the network.

This growth appears driven by issuers experimenting with commodities, private credit, and alternative assets on XRPL.

Although Ethereum [ETH] still dominates institutional tokenization, rising transaction volumes suggest the XRP Ledger is gradually attracting early-stage institutional experimentation and broader financial participation.

RLUSD emerges as XRPL’s liquidity engine

Final Summary

• Ripple [XRP] transaction growth near 2.5 million daily and expanding tokenized assets suggest rising experimentation with XRPL as infrastructure for payments and tokenized finance.
• Ripple USD [RLUSD] stablecoin liquidity and the U.S. CBDC policy halt signal a shift where private blockchain networks increasingly shape digital dollar infrastructure.