XRP Just Got Handed a Compliance Cheat Code. Here's the Latest

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A section of the U.S. tax policy draft has caught the attention of the pseudonymous Financial expert X Finance Bull, who believes it could mark an important step toward mainstream adoption of blockchain-based payments.

The image of the document captioned in the post outlines the proposed treatment for small digital asset transactions. While technical in nature, X Finance Bull argues that its implications could reshape how regulated stablecoins and XRP fit into the evolving financial system.

The $200 Threshold for Stablecoin Transactions

According to the draft language cited in the images, policymakers are considering a per-transaction de minimis threshold of $200 for regulated payment stablecoins. Under this framework, capital gains below that amount would not be recognized for tax purposes.

The intent, as described in the explanatory note, is to eliminate the burden of tracking low-value gains arising from routine consumer payments, similar to existing treatment for small foreign currency transactions.

X Finance Bull presents this as a practical compliance pathway that could remove one of the biggest obstacles to everyday crypto usage in the United States. He stresses that by simplifying tax treatment for small purchases, regulators would make it more feasible for stablecoins to function as true payment instruments rather than purely speculative assets.

RLUSD and Ripple’s Payment Rails

Building on this policy direction, X Finance Bull connects the proposal to RLUSD, Ripple’s regulated stablecoin. He argues that a framework designed specifically for compliant payment stablecoins creates an ideal environment for RLUSD to operate as a digital cash equivalent. In his view, this would allow consumers and institutions to transact on-chain while remaining within established regulatory boundaries.

He further points to Ripple’s payment infrastructure as the foundation that could support this model. By providing the rails for settlement and liquidity, Ripple’s network, he suggests, enables traditional financial institutions to access blockchain technology without abandoning the structures they already rely on.

XRP’s Role as a Bridge Asset

Within this setup, X Finance Bull highlights XRP as the bridge asset that connects liquidity between different currencies and networks. Rather than focusing on market price, he emphasizes utility, arguing that XRP’s purpose in facilitating efficient transfers becomes more relevant as regulated stablecoins move across compliant rails. From his perspective, this positions XRP as a functional link between traditional finance and digital asset ecosystems.

Toward TradFi on Crypto Infrastructure

The draft also references future regulations and guidance, including anti-abuse rules, recordkeeping standards, and treatment of mixed transactions. X Finance Bull interprets this as evidence that U.S. policymakers are laying the groundwork for a structured, long-term framework for digital payments.

While acknowledging that the language remains under technical review, X Finance Bull frames the proposal as a signal that traditional finance may soon operate more directly on crypto infrastructure.

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