Is XRP Your Next Big Bet? Analyst Makes Bullish Case For $3 Trillion Market Cap The Financial Innovation and Technology for the 21st Century Act (FIT21) was enacted by the House of Representatives with backing from each side. The financial institutions’ capacity to serve as cryptocurrency custodians has been made easier by the Senate’s vote to reverse SEC chairman Gary Gensler’s Staff Accounting Bulletin No. 121 (SAB 121).