According to a new regulatory plan jointly established by the (SEC) (U.S. Securities and Exchange Commission) and the (CFTC) (Commodity Futures Trading Commission), XRP has now been classified as a "digital commodity," providing long-awaited clarity for financial institutions. This CFTC regulatory approach, which is less stringent than securities rules, removes a major obstacle for Ripple's target user base. XRP is trading at $1.44 and is poised to experience new growth momentum; following the announcement, XRP ETFs saw net inflows of $4.6 million, which could reverse the previous capital outflows from its $1.2 billion assets under management.