The Crypto Stablecoin Genius Act is paving the way for wholesale CBDCs alongside digital identity infrastructure. Here's the thing—stablecoins have always been CBDCs in disguise. The U.S. regulatory push isn't abandoning digital currency; it's just restructuring how they'll roll out. Whether people want to acknowledge it or not, the trajectory remains the same: centralized digital currencies are coming, and stablecoins exist within that framework. The market's been slow to process this reality. While everyone debates token classifications and regulatory labels, the actual policy direction keeps moving forward on schedule. $XRP and the broader crypto ecosystem are caught in the middle of this larger monetary shift.