Senator Thom Tillis asked Banking Chair Tim Scott on April 20 to move the CLARITY Act markup to May, allowing time to finalize stablecoin yield negotiations. The delay preserves the full bill's framework, which would provide clear regulations for digital assets including XRP. A White House Council of Economic Advisers report estimated a full yield ban would cost consumers $800 million annually while boosting U.S. bank lending by only 0.02%. Coinbase CEO Brian Armstrong endorsed the bill on April 9 after initially rejecting the draft, signaling broad alignment among major participants.
Ripple Rolls Out Post-Quantum Roadmap as XRP ETFs Draw $55.39M
Ripple published its post-quantum roadmap on April 20, targeting full XRP Ledger protection by 2028. XRP trades at $1.43 (CoinMarketCap, April 21), up 4.68% over seven days. Spot XRP ETFs saw $55.39 million in net inflows last week, the strongest weekly figure since January, with combined AUM of $1 billion across seven live products. Standard Chartered maintains an $8 year-end target for XRP if the CLARITY Act passes, while Yahoo Finance maps a $5 path requiring $5 billion in cumulative ETF inflows plus committee approval. At $5, XRP's market cap would reach $306 billion, less than half of Ethereum's all-time high.
Cardano Whale Addresses Hit 4-Month High as ADA Languishes at $0.24
Cardano trades at $0.24, with 424 addresses now holding over 10 million ADA each—a fresh four-month peak (CoinGecko). The Protocol 11 upgrade brought full on-chain governance. Standard Chartered keeps a $0.50 year-end target, implying a 29% upside.
Pepeto Presale Exceeds $9.29M Ahead of Binance Listing
Meme coin project Pepeto has raised over $9.29 million in its presale at $0.0000001865 per token. The platform features a zero-fee exchange (PepetoSwap), cross-chain bridge, and 180% APY staking; all contracts are SolidProof audited. A former Binance executive sits on the team, and analysts project 100x to 300x returns from presale to listing. The model aims to give retail traders access to low-cost trading infrastructure previously reserved for institutional desks.