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Brad Garlinghouse isn't asking for clarity only for Ripple - he says the whole market needs it. After years of fighting the SEC, Ripple already has something most crypto firms still don't: a court ruling that $XRP is not a security. But Garlinghouse says that win is not enough for the industry to move forward in the U.S., especially if other assets are still stuck in legal uncertainty. That's why he is pushing for the CLARITY Act. In his view, the bill would give banks, builders, and investors a clearer rulebook for digital assets, instead of forcing every company to guess what future regulators might decide. What's interesting is the banking angle. Garlinghouse says many U.S. bank executives like the technology, but they worry the current supportive tone could change under a future SEC chair. That kind of uncertainty keeps serious capital cautious, even when interest in crypto and $BTC remains strong. The takeaway: Ripple may already have its answer on XRP, but the wider market still needs rules that cannot flip with every administration. For Garlinghouse, the CLARITY Act is not perfect but it may be the step that moves crypto from courtroom fights to real adoption.