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Ripple CEO Says Market Structure Bill Not a ‘Done Deal,’ Despite Stablecoin Compromise

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Ripple CEO Says Market Structure Bill Not a ‘Done Deal,’ Despite Stablecoin Compromise

Brad Garlinghouse, CEO of Ripple Labs, warned Tuesday that recent progress on the digital asset market structure bill in the US Senate did not guarantee success for the legislation, speculating that the next two weeks would be crucial.

Speaking at the Consensus crypto conference in Miami, Garlinghouse said that the likelihood of the market structure bill, the CLARITY Act, passing would “drop precipitously” if not addressed in the next two weeks. According to the Ripple CEO, the bill would be “too much of a loaded issue” amid campaigns for the 2026 US midterms, with primaries ongoing until the November elections.

“Do I think it’s perfect? Hell no,“ said Garlinghouse, referring to CLARITY. “I challenge you to show me any piece of legislation that we would call perfect. There’s tradeoffs and compromises, but I do think clarity is better than chaos.”

Source: Cointelegraph

The CEO’s remarks came after US Senators Thom Tillis and Angela Alsobrooks announced a compromise on stablecoin yield last week that could lead to the advancement of the CLARITY Act. Addressing stablecoins, as well as tokenized equities and ethics, has been one of the factors holding up the bill in the Senate since it was passed by the US House of Representatives in July 2025.

Related: Crypto PAC spends $500K in support of Indiana candidate ahead of primary

The CLARITY Act, already advanced by the Senate Agriculture Committee in a January markup, also requires approval by the Senate Banking Committee before a vote in the full chamber. Garlinghouse and Ripple executives have been part of negotiations on the CLARITY Act between White House officials and representatives of the crypto and banking industries.

“The Clarity Act is not a future priority; it is the priority,” said Senator Cynthia Lummis, a member of the banking committee, in a Tuesday X post. “Every corner of the industry is operating under legal uncertainty that Congress has the power to fix. The Senate needs to act.”

US financial agencies already moving forward without Congress

The US Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC) signed a memorandum of understanding in March to coordinate their approach to oversight of the digital asset market structure. SEC Chair Paul Atkins said that the agency‘s approach to crypto laws provided a “beginning, not an end,” with the commission awaiting passage of the CLARITY Act.

Magazine: How to fix suspected insider trading on Polymarket and Kalshi

Cointelegraph is committed to independent, transparent journalism. This news article is produced in accordance with Cointelegraph’s Editorial Policy and aims to provide accurate and timely information. Readers are encouraged to verify information independently.

XRP Pundit Shares 5 Key Points For Long-Term Holders

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XRP Pundit Shares 5 Key Points For Long-Term Holders

Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

A crypto pundit has revealed five major investment plans for long-term XRP holders. The plan, shared publicly on X this week, outlines several key points to help investors make the most of their holdings and position themselves for potential gains. With the crypto market showing renewed volatility even as the XRP price remains in a downtrend, the insights from these points could positively shape investment decisions for some holders in the months ahead. 

Analyst Urges Patience And Security In XRP Holding

On May 5, Vincent Van Code, a well-known crypto analyst, took to X to outline a unique plan he created for investors who hold XRP as a long-term investment. The first three plans focus on security and patience as investors hold their bags.

Van Code strongly recommends that investors keep their XRP in personal wallets where they alone own and control the keys. He noted that sending coins to exchanges or third-party services regularly exposes XRP holders to unnecessary risks. As such, he urges investors not to risk their safety for a small percentage of return. 

Van Code also recommends being patient enough as investors hold for the long term. While it can be frustrating to see steady, low-price action even when other cryptocurrencies in the market are gaining, the analyst urges investors to make investment decisions with a clear head. He pointed out that although XRP has already achieved major gains, surging by 5x over the past months, investors should resist the urge to liquidate early. 

Speaking on his own investments, Van Code said that he has also benefited significantly from XRP’s growth but does not plan to withdraw his holdings prematurely. Instead, he preferred to maintain a steady position until financial circumstances, such as custody opportunities from banks, created safer avenues for monetization. 

Strategic Use Of XRP And Realistic Expectations

In his post, Van Code also outlined ways to profit from XRP while maintaining a long-term perspective. He told holders to consider borrowing against their XRP only when banks provide secure custody solutions. Once they do so, the analyst recommends redirecting the borrowed funds toward other major investments, such as stock indexes and precious metals. By doing this, investors gain direct exposure to traditional financial markets without selling their digital assets. 

While the gains from traditional assets may not be as explosive as cryptocurrencies during bull market runs, these investment products are less volatile and can add to wealth over time. Additionally, by spreading capital across several products rather than concentrating it in a single asset or sector, investors can gain protection against certain risks through proper diversification. 

Van Code also cautioned XRP holders against unrealistic expectations of becoming a multimillionaire through crypto. He warned that cryptocurrency alone is unlikely to generate this kind of instant wealth. Instead, he encouraged holders to continue building their careers and professional skills to reach their goals. 

XRP price chart from Tradingview.com
Price struggles against bears | Source: XRPUSDT on Tradingview.com

Featured image from Dall.E, chart from TradingView.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.

Strategy weighs selling bitcoin to fund dividends amid Q1 net loss

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Strategy weighs selling bitcoin to fund dividends amid Q1 net loss

Strategy (MSTR), the world’s largest publicly traded corporate holder of bitcoin, floated the idea of selling bitcoin in order to cover its dividend obligations.
Executive Chairman Michael Saylor suggested, during its Q1 2026 earnings call, the company may sell a portion of its bitcoin holdings to fund dividend payments, stating: “We will probably sell some bitcoin to pay a dividend just to inoculate the market and send the message that we did it.”

The company disclosed a $12.54 billion net loss for Q4, while maintaining a total bitcoin position of 818,334 BTC at an average acquisition cost of $75,537 per coin.

Strategy has an outstanding dividend obligation of approximately $1.5 billion, including annualized preferred stock dividends and interest on outstanding debt. The firm has roughly 18 months of dividend coverage, based on its USD reserves relative to these obligations.

Saylor described the model as leveraging credit to acquire Bitcoin, allowing it to appreciate, and then selectively selling portions of the asset to meet dividend commitments.

“You buy bitcoin with credit, you let it appreciate, and then you sell bitcoin to pay the dividend.

Following the announcement, Strategy’s stock fell more than 4% in after-hours trading, while bitcoin declined below $81,000.

Different voices in product, policy and hiring change crypto outcomes, panelists tell Consensus Miami

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Different voices in product, policy and hiring change crypto outcomes, panelists tell Consensus Miami

The right voices in the right rooms can reshape product, policy and hiring outcomes in crypto, three senior executives told CoinDesk’s Consensus Miami conference on Tuesday. Each cited a moment from her own organization when an outside perspective changed what was being built, argued or prioritized.

Mastercard SVP for Blockchain & Digital Assets Maja Lapcevic said her company’s crypto team had initially viewed infrastructure as the key to crypto adoption, until a partner reframed the problem around usability. “We probably all thought about infrastructure to be the winning formula for crypto,” she said. “But one of our partners actually really helped shed light on how we make crypto accessible, not complex, very simple to use.” That thinking helped push Mastercard toward cards linked to stablecoins, including for users in markets with limited access to traditional financial services, she said.

Crypto Council for Innovation Chief Strategy Officer Alison Mangiero said her organization had a similar realization around staking after bringing builders into policy discussions. “Sometimes we might think we understand, or we’ll put things into a bucket,” she said. “We’ll take a shortcut and say, oh, that sounds like a fund. Oh, that sounds like interest or yield, when in actuality what’s going on under the hood is fundamentally different.” After hearing from people building staking primitives, she said, CCI understood the need to describe staking as a technical service rather than a financialized product.

Clerisy Co-Founder and Managing Partner Alexandra Wilkis Wilson brought the argument to hiring. “Many of us fall into a very comfortable bias of hiring people who not only might look like ourselves or remind you of your younger self,” she said. She recalled one 10-person startup where a Myers-Briggs analysis found that eight of the 10 team members were extroverts. “It’s really important, when you’re growing teams, to not only bring in diversity on the outside, but also to think about diversity on the inside,” she said.

Mangiero closed by framing the issue as one for the broader industry. Crypto “is having a moment right now where folks are really interested in hearing our voice,” she said, “but that begs the question, what is our voice at the end of the day?” The conference, she added, “is called Consensus for a reason.” Good policy, she said, requires the industry to ensure different communities are reflected, including token holders and people building on top of blockchain networks, while also protecting consumers and allowing innovation to thrive.

SoundHound Launches Self-Learning AI Agent Platform

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SoundHound Launches Self-Learning AI Agent Platform

California-based company SoundHound’s AI agent platform is a potential game-changer for businesses.

The Orchestrated Agent System — OASYS for short — enables multilingual AI agents to build and learn using AI, according to the company. The platform could  unlock time and cost savings benefits for enterprise customers due to agents’ ability to autonomously improve themselves — a stark contrast to the traditional “build and deploy” model, which requires ongoing maintenance from developers.

As a promo video on YouTube illustrates, OASYS can build sets of task-ready agents “in minutes” via its own proprietary tech and easy-to-follow user instructions. This is complemented by the platform’s ability to ingest data, documentation and transcripts while assessing integrations. Transaction flows are visualized to ensure developers always have insight into what is going on.

Once the agents are live, the platform continuously evaluates workflows for performance gaps and areas for improvement, plus engineers its own updates. These are presented for examination by humans, cutting down on the oversight usually required and bringing time savings.

Related:Mistral’s Model Lets You Vibe Long-Running Code in the Cloud

The result is a platform that grows more efficient the more it is used, with SoundHound also highlighting its ability to facilitate multiple deployments for a single agent across areas as diverse as phones, online chats, social media and even in-vehicle infotainment systems.

Other claimed benefits include rules-based guardrails and the ability to maintain context across different devices, even when languages change.

SoundHound said it hopes OASYS will enable enterprise clients to move beyond deploying individual tools and adopt a more integrated approach.

OASYS agents are currently being used for a variety of tasks, with SoundHound citing automation of responses to customer inquiries at call centers; enablement of hands-free purchases via car infotainment systems; and execution of tasks such as IT service requests.

“This will undoubtedly change the game, allowing our mutual clients to scale AI operations at a speed that was previously impossible,” said Kye Mitchell, president of IT resourcing giant Experis US, part of the ManpowerGroup, in a press release.

It’s transparency, not tech alone, that drives crypto adoption, panelists tell Consensus Miami

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It’s transparency, not tech alone, that drives crypto adoption, panelists tell Consensus Miami

The path to mainstream crypto adoption runs through more visible, controllable product design, executives from PayPal, Robinhood, Public.com and 248 Ventures told CoinDesk’s Consensus Miami conference Tuesday.

“It’s important to tell users with AI products what the underlying system is not doing in addition to what it is doing,” Public.com CFO Sruthi Lanka said. Public has built its agentic-investing product so that users review and approve a “deterministic recipe” before any trade is placed. “Make sure it’s not a black box,” she said. The result, according to Lanka, is an organization where everyone is now writing code: “I have accountants writing code. We have marketing people playing with code. Everyone is an engineer, and I think that’s only going to become more commonplace.”

Smitha Purohit, PayPal’s senior director of product for crypto, said trust is “a factor of two things;” whether users can start small and experiment, and whether the company has their back when something goes wrong.

“When you build too fast, compliance comes as a secondary thought, and I don’t think that’s the way to build scalable products. It should be compliance first, regulatory first, and that’s how PayPal looks at everything,” she said.

Nicola White, Robinhood’s vice president of crypto institutions and general manager of Bitstamp, said 50% of the company’s new first-quarter users self-identified as first-time investors, pointing to that as the reason to push back on retail product velocity.

“We’re all building so quickly. I think we need to make sure that we’re slowing down and thinking about: is what we’re building the right thing for the customer? […] I think we’re introducing risks that maybe people don’t understand,” she said, citing the Oct. 10 crypto liquidation event and questioning, “Is 100x something that a retail client should be offered?”

Lindsey Bell, Chief Investment Strategist at 248 Ventures, framed adoption as ultimately an emotional decision. “People’s purchasing or usership is really driven by emotion; it’s driven by fear. You have to be able to tap into that. And I think you do that best by talking to your customers and your prospects and really figuring out what’s making their heart beat,” she said, citing earlier remarks from a former Mastercard CMO that traditional market research is now only “23% accurate.”

In a closing lightning round, Lanka predicted users will “increasingly make the wealth manager redundant”; White predicted CLARITY Act passage and tokenized RWAs hitting stride in the U.S.; Bell floated that “by the beginning of next year,” 80% of Americans could be operating with at least one AI agent; and Purohit predicted “pay as you go” models for content, pointing to stablecoins as a way to enable micropayments.

The world’s entire economy will be tokenized, says Consensys’ Joseph Lubin

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The world’s entire economy will be tokenized, says Consensys’ Joseph Lubin

“We’re moving into a world where essentially the entire economy is going to be tokenized,” said Joseph Lubin, CEO and founder of Consensys during a Fireside chat Tuesday at Consensus Miami 2026.

In his Fireside chat with The Rollup’s Founder Robbie Klages, Lubin said he believes tokenization is no longer experimental, but inevitable.

The global economy is steadily moving on-chain, and Ethereum is structurally positioned to benefit the most, said the founder of Consensys, a blockchain firm founded in 2014 by Lubin, an Ethereum co-founder. His company focuses on building infrastructure, developer tools, and decentralized applications (dApps) primarily for the Ethereum blockchain.

Lubin traced tokenization back to Ethereum’s origins, describing it as the breakthrough that allowed anyone to issue assets without building a new blockchain.

Now, that early design choice is paying off as financial institutions are increasingly moving their assets onto blockchain rails.

Lubin pointed to the evolution from bitcoin as the first decentralised token to Ethereum’s role in enabling the creation of new tokens without building separate blockchains. He said the technology has reached a level of maturity that is drawing in traditional financial institutions and regulators.

“We’re now sufficiently mature to be attractive to traditional finance organisations and regulators,” he said, pointing to Ethereum’s reliability, security, and scalability as key differentiators.

He said tokenisation is expanding from stablecoins into treasuries and other real-world assets, with more financial activity expected to move onto blockchain infrastructure.

Lubin also outlined Ethereum’s scaling approach. Layer-2 networks are increasing capacity, and developments such as synchronous composability aim to allow transactions across multiple networks to execute within a shared system.

“All of those transactions across all these different networks are going to be burning ether,” he said, referring to how activity across the ecosystem feeds value back to Ethereum.

He described ETH as a “trust commodity,” arguing that its role in securing and settling transactions could give it monetary characteristics as more economic activity moves on-chain.

Lubin added that recent disruptions in decentralised finance reflect a developing technology, and said the ecosystem is continuing to strengthen through collaboration.

Trust in crypto remains biggest barrier to adoption, say Consensus Miami 2026 panelists

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Trust in crypto remains biggest barrier to adoption, say Consensus Miami 2026 panelists

Trust remains a primary barrier to broader crypto adoption, according to representatives from the National Cryptocurrency Association, Circle, U.S. Bank and ChangeNOW at Consensus 2026 in Miami.

Ali Tager of the National Cryptocurrency Association said research shows “the number one barrier to non-crypto holders is they just do not get it,” citing complexity, jargon and misinformation as persistent challenges.

Panelists from Circle, U.S. Bank and ChangeNOW said trust is built gradually through user experience rather than technical claims. Britt Cambas of Circle said “you are not going to get technical trust in 30 seconds,” emphasizing clarity and reducing complexity as prerequisites for adoption.

Rachel Castro of U.S. Bank said trust is central to financial services and “very easily broken,” adding that rebuilding it takes significantly longer once lost.

Speakers highlighted customer support and human interaction as critical differentiators in crypto platforms. Pauline Shangett of ChangeNOW said “the primary factor of trust for me when it comes to a web3 project is a feeling that you are working with real people,” pointing to gaps in user support across the industry.

Cambas said reducing ambiguity in products and partnerships is key, noting that simplifying complex systems can drive adoption more effectively than new features.

Panelists also pointed to education as a necessary step for onboarding new users. Tager said the industry must “make it super simple, make it accessible, make it trustworthy” to reach mainstream audiences.

The discussion, moderated by Ashley Wright, focused on designing systems that prioritize transparency, usability and communication, with speakers agreeing that trust must be embedded across product design, customer engagement and regulatory frameworks rather than treated as a standalone feature.

BridgeWise Taps X’s ‘Everything App’ Data to Deliver Institutional-Grade Social Sentiment

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BridgeWise Taps X’s ‘Everything App’ Data to Deliver Institutional-Grade Social Sentiment

BridgeWise, the global leader in AI for wealth, has entered into a unique strategic partnership with X to provide investors, financial institutions, and quantitative funds worldwide with real-time social sentiment analysis.

By integrating X’s global data stream directly into the BridgeWise intelligence engine, the collaboration aims to transform the world’s most active financial conversations into structured, actionable signals for thousands of traded securities.

Harnessing the ‘wisdom of the crowd’

The partnership centres on an API-driven integration where BridgeWise’s wealth-native AI analyzes X’s unstructured social data to generate actionable “SentimentWise” insights. To filter out the inherent static of social media and provide clear sentiment scores, the system applies BridgeWise’s proprietary S-Factor™ framework, which was recently bolstered by the company’s acquisition of Context Analytics.

To achieve institutional-grade reliability, the platform relies on rigorous data processing and filtering at scale. Key data capabilities include:

  • Processing approximately 1.75 million investment-related X posts daily, drawn specifically from a curated, finance-focused subset of the platform’s firehose.

  • Updating data frequencies at intervals of up to one minute across thousands of tickers spanning multiple asset classes.

  • Applying keyword and phrase filtering at the point of ingestion to ensure every processed post contains investment-relevant content.

  • Utilizing multi-layer data quality filtering, which includes account-rating scoring, follower count thresholds, bot and spam removal, exclusionary security topic terms, and cross-user de-duplication.

  • Conducting continuous, rolling recalculations of S-Scores on an infrastructure that is purpose-built for institutional risk and compliance use cases.

Executive insights
Gaby Diamant, co-founder and CEO of BridgeWise

Gaby Diamant, co-founder and CEO of BridgeWise, emphasized the critical role that human emotion plays in market movements.

“Markets move on more than just numbers; they move on what people are saying, thinking, and feeling in the moment,” Diamant stated. “By plugging X’s data stream into our engine alongside our deep fundamental and technical analysis, we’re helping our clients cut through the noise to see what actually matters. With this partnership, we are taking the world’s biggest conversation and turning it into a quantifiable tool that helps investors make better decisions with total clarity.”

Christopher Park, director and global lead of developer platform at X

Christopher Park, director and global lead of developer platform at X, highlighted the value of the platform’s real-time nature.

“X is the world’s leading platform for real-time financial conversation; by enabling BridgeWise to analyze our feeds through this API integration, we are empowering their clients to leverage the power of the ‘Everything App’ directly within institutional workflows and rigorous trading environments,” Park commented.

A 360-degree market view

Through this new integration, BridgeWise clients—which include top global hedge funds and quant funds—can now access a comprehensive 360-degree view of the market.

When used alongside the company’s complete asset analysis suite, the SentimentWise solution allows these institutions to monitor sudden shifts in investor mood and identify emerging trends before they hit the mainstream market. Crucially, it ensures that institutions operating in highly regulated environments can confidently leverage alternative social data with full auditability and oversight.

BridgeWise currently provides trusted investment intelligence to over 100 institutional clients and 35 million end users globally, partnering with major entities such as S&P Global Market Intelligence, Japan Exchange Group, and eToro.

Bitcoin Short Liquidations Top $7.9B as $80K BTC Price Holds Firm

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Bitcoin Short Liquidations Top $7.9B as $80K BTC Price Holds Firm

Bitcoin (BTC) may have a clear path to $90,000 after $7.9 billion in short liquidations in February put pressure on the bears. Data show liquidations came in three waves that extended from February through April. The liquidations highlight a growing imbalance as BTC traders continue to build short positions above $80,000, while the price holds firm, creating repeat conditions for future short squeezes.

Repeat short squeezes pressure bears

Bitcoin researcher Axel Adler Jr. tracked over $7.9 billion in forced short liquidations since early February. The largest spike hit $737 million on Feb. 13, followed by multiple waves through March and April. 

The liquidation volumes ranged from $2–28 million per day before jumping back to $175 million on May 4. That spike came during a quiet week, pointing to renewed short exposure near $80,000. The pattern shows consistent reloading of bearish positions at higher levels.

Bitcoin trend pulse. Source: Axel Adler Jr.

The trend pulse data adds context to this behavior. The model moved from bear mode into neutral mode in early April. The short-term momentum has turned positive, while the long-term trend awaits confirmation from a bullish crossover of the 30-day and 200-day simple moving averages (SMAs). 

Axel Adler Jr. said each major liquidation wave formed while the trend pulse sat in neutral mode, a transition phase after bear mode without a full bullish confirmation. 

The largest spikes all occurred during this phase. The price was effectively at a crossroads, while traders kept adding short positions. 

That pattern shows repeated strength fading, followed by forced liquidations, creating pressure that can extend higher if current levels hold above $80,000-$81,500. 

Related: Bitcoin price nears $82K as ‘big level’ sparks warning of fresh macro rejection

BTC price holds key breakout zone above $80,000

Market analyst Coin Niel pointed to continued BTC exchange outflows, with net flows of -837 BTC on May 5. The move signals ongoing accumulation, though smaller than the -6,590 BTC outflows on Monday, keeping the spot sell pressure limited.

Bitcoin open interest on all exchanges. Source: CryptoQuant

Funding rates hold near -0.0045, suggesting longs are not crowded while the short-side pressure remains active. BTC open interest climbed 6% to $29 billion, its highest level since Jan. 31, increasing sensitivity to large price swings. 

The BTC price action has turned constructive after Bitcoin broke above a descending trendline that capped rallies through April. The 100-day exponential moving average (EMA) now sits just below the price, acting as dynamic support. 

BTC is also holding near $81,500, aligned with the short-term holder cost basis, a key level that keeps recent buyers in profit, and may further reduce selling pressure. 

BTC/USDT on the one-day chart. Source: Cointelegraph/TradingView

The upside range of $86,000 to $90,000 aligns with a prior supply zone, where sellers stepped in and halted the recovery. This area marks a cluster of past selling activity, with relatively fewer resistance levels before it. 

Below, the $76,000–$78,000 range serves as the first demand zone, supported by recent activity and a developed daily fair-value gap from last Friday. 

Crypto trader KriptoHolder noted that liquidation clusters are shaping the near-term direction. The short liquidations sit around $81,000–$82,000, while a larger pool of long exposure rests between $77,000 and $78,000. 

Data indicates $1.12 billion in cumulative shorts are at risk near $82,500, compared with over $4.2 billion in long positions facing liquidation near $77,000, defining a tight liquidity imbalance.

Related: Bitcoin short-term cost basis approaches profitability, but $80K must flip to support first

This article is produced in accordance with Cointelegraph’s Editorial Policy and is intended for informational purposes only. It does not constitute investment advice or recommendations. All investments and trades carry risk; readers are encouraged to conduct independent research.
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