[Ripple CEO: Clarity Act Negotiations Difficult but Nearing Consensus] Ripple CEO Brad Garlinghouse stated that the negotiation process for the Clarity Act has been challenging, but all parties are nearing a consensus. The core disagreement between the crypto industry and the banking sector lies in whether stablecoins can pay yields to customers. Garlinghouse expects the legislation to be finalized by the end of May, driving more major financial institutions to participate in the crypto industry.