Ripple CEO Brad Garlinghouse has urged banks to actively pursue XRP partnerships as negotiations over the U.S. Clarity Act continue. Garlinghouse emphasized the importance of practical engagement over delays, suggesting that regulatory clarity is preferable to ongoing uncertainty. He projected an 80% chance of the Clarity Act's passage by the end of April, which could define oversight for digital assets, including XRP. Garlinghouse confirmed that banks can explore XRP deals during legislative discussions, stressing the need for cooperation based on good-faith principles. He highlighted opportunities for collaboration with groups like the American Bankers Association, while warning against letting "perfection block progress." The ongoing dialogue aims to implement workable regulatory structures for digital assets. Meanwhile, industry debates persist over stablecoin yield restrictions, with Coinbase CEO Brian Armstrong criticizing the Senate draft for potentially stifling innovation. The Clarity Act seeks to establish defined oversight for digital assets and stablecoins, with ongoing discussions among lawmakers, Ripple, Coinbase, and banking representatives to address concerns.