The US Digital Asset CLARITY Act is poised to significantly alter the regulatory framework for XRP and Ripple, potentially shifting oversight from the SEC to the CFTC. Section 105 of the bill defines digital assets as commodities, which could codify XRP's non-security status, aligning with Judge Analisa Torres' previous ruling. This shift would place XRP under CFTC jurisdiction, providing federal legal protection for its classification. Additionally, Section 110 mandates AML compliance for digital commodity exchanges and introduces a "mature blockchain" category, which the XRP Ledger already qualifies for. This would further solidify XRP's status as a digital commodity. Section 401 could open US banks to Ripple's infrastructure, allowing them to use digital assets for payments and settlements, potentially boosting institutional adoption. The bill also addresses stablecoin regulations in Section 404, banning passive yield payments but allowing activity-based rewards. If enacted, the CLARITY Act could provide significant legal clarity for XRP and influence Ripple's future in the US market.