US Cryptocurrency Regulation Tightens in 2026

The Trump administration is pushing for new digital‑asset policies, spotlighting XRP as a potential profitable asset. Ripple has secured full CASP authorization under the EU MiCA framework, and EX DeFi launched a green‑energy cloud‑mining service to make XRP participation easier.

In New York, regulators are preparing the 2026 CRYPTO Act, which would criminalize unlicensed crypto operations with penalties up to a Class C felony. The state’s crypto crime losses rose 57 % in 2025, reaching $593 million, while investigations uncovered dozens of cash‑for‑crypto services operating without proper licences.

Both federal and state initiatives aim to integrate crypto more securely into the financial system while curbing illicit activity.