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<p>Ripple was mentioned during a recent U.S. House Financial Services Committee hearing, bringing <a href="https://coinpedia.org/beginners-guide/what-is-blockchain/" rel="noopener noreferrer nofollow">blockchain</a>-based payments into focus at the policy level.</p><p>During the session “Innovation at the Speed of Markets,” Representative Sam Liccardo <a href="https://x.com/Archie_XRPL/status/2037210483522994633" rel="noopener noreferrer nofollow">questioned </a>Randall Guynn, Director at the Federal Reserve Division of Supervision and Regulation, on whether they are moving quickly enough to modernize payment systems, citing Ripple as a real-world example of faster and cheaper transaction technology.</p><h2 class="wp-block-heading" id="h-lawmakers-push-for-faster-payment-systems"><strong>Lawmakers Push for Faster Payment Systems</strong></h2><p>The discussion focused on improving the Automated Clearing House (ACH) network, which handles payroll, bill payments, and business transfers across the U.S.&nbsp;</p><blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow"><p>Liccardo pointed to industry-backed ideas, saying: “We’ve heard that from Intuit and from Ripple… the idea of imposing pre-funding of ACH transactions.”</p></blockquote><p>His remarks show that there is growing pressure on regulators to adopt solutions that reduce delays and improve efficiency.</p><h3 class="wp-block-heading" id="h-ripple-s-fed-proposal-gains-attention"><strong>Ripple’s Fed Proposal Gains Attention</strong></h3><p>Ripple’s mention in Congress links back to its February 2026 proposal to the Federal Reserve. The company suggested introducing pre-funded ACH accounts for <a href="https://coinpedia.org/news/garlinghouse-reveals-ripples-70-billion-crypto-balance-with-xrp-escrow-not-included/" rel="noopener noreferrer nofollow">stablecoin issuers like RLUSD</a>.</p><p>This model requires issuers to hold full reserves before processing transactions, allowing near-instant settlement while removing counterparty risk. It also reduces reliance on traditional banking intermediaries.</p><h3 class="wp-block-heading" id="h-93-trillion-market-at-stake"><strong>$93 Trillion Market at Stake</strong></h3><p>The ACH network remains one of the largest payment systems globally, processing around $93 trillion in transactions in 2025, including over $61 trillion in credit payments.</p><p>Even a small change toward blockchain-based rails could move notable volume on-chain, which is why lawmakers are increasingly focused on upgrading the system.</p><p>Ripple was not alone in the discussion. Companies like Visa and Intuit also contributed ideas. Suggestions included pre-funding requirements, transaction limits, and stronger monitoring tools to reduce risk and improve settlement speed.&nbsp;</p><h3 class="wp-block-heading" id="h-what-this-means-for-crypto-adoption"><strong>What This Means for Crypto Adoption</strong></h3><p>Overall, Ripple’s mention in a congressional hearing signals growing interest in blockchain solutions within traditional finance. As regulators explore ways to improve payment infrastructure, proposals like pre-funded ACH and stablecoin integration could play a larger role in shaping the future of U.S. payments.</p><h2 class="wp-block-heading" id="h-faqs">FAQs</h2><div class="schema-faq wp-block-yoast-faq-block"><div class="schema-faq-section" id="faq-question-1774680873471"><strong class="schema-faq-question">Why was Ripple mentioned in a congressional hearing?</strong><p class="schema-faq-answer">Rep. Sam Liccardo cited Ripple as an example of faster, cheaper payment technology while questioning regulators on modernizing the U.S. ACH network.</p></div><div class="schema-faq-section" id="faq-question-1774680874575"><strong class="schema-faq-question"><strong>What is the ACH network and why is it being upgraded?</strong></strong><p class="schema-faq-answer">ACH is a key U.S. payment system for payroll and transfers. Lawmakers want upgrades to reduce delays, lower costs, and improve efficiency.</p></div><div class="schema-faq-section" id="faq-question-1774680875250"><strong class="schema-faq-question">What does pre-funded ACH mean for stablecoin issuers?</strong><p class="schema-faq-answer">It means stablecoin issuers must hold full reserves before processing payments, enabling faster settlements without relying on traditional banking middlemen.</p></div></div>

U.S. Lawmakers Name Ripple in Push to Overhaul $93 Trillion ACH Network

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