The CFTC Lists XRP and Stellar as Digital Commodities Alongside Bitcoin and Ethereum. Is XRP Officially Not a Security?

The CFTC just named XRP a digital commodity alongside Bitcoin and Ethereum, but that label carries a catch that every XRP holder needs to understand before assuming the security debate is finally settled.

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The Commodity Futures Trading Commission (CFTC) has proposed new regulations that list XRP (CRYPTO:XRP) as a “digital commodity,” placing it alongside Bitcoin (CRYPTO:BTC), Ethereum (CRYPTO:ETH), and Solana (CRYPTO:SOL). This announcement, reported on October 5, 2026, also includes Stellar (CRYPTO:XLM) and Tezos (CRYPTO:XTZ), reigniting the ongoing debate among XRP holders about whether XRP should be considered a security.

Since the Securities and Exchange Commission (SEC) filed a lawsuit against Ripple in December 2020, XRP holders have been questioning the asset’s status. So, does inclusion on the CFTC’s list mean XRP is officially not classified as a security?

How the CFTC’s Proposals Would Change XRP Trading

In the United States, two federal agencies oversee cryptocurrency: the SEC, which regulates securities, and the CFTC, which oversees commodities. The SEC requires issuers to register securities and provide ongoing information, while the CFTC focuses on regulations governing how commodities are bought and sold.