The U.S. CFTC's February 2026 letter enhances stablecoin regulation, allowing national trust banks to issue dollar-pegged tokens as margin collateral. This aligns with the GENIUS Act, fostering federal oversight. Ripple’s RLUSD stablecoin can integrate seamlessly, enhancing market efficiency and legitimizing blockchain assets, while XRP's role strengthens as transactions grow. Overall, this represents significant progress towards a regulated, innovative financial system.