- Clarity Act momentum boosts Ripple’s U.S. regulatory outlook
- Garlinghouse signals 90% odds of congressional approval
- Commodity status could drive XRP toward $5–$100 range
Confidence around Ripple’s U.S. strategy surged after a widely shared update reignited debate over the Clarity Act’s impact on XRP. A post by commentator BankXRP circulating on X placed the legislation at the center of Ripple’s next growth phase and framed it as a turning point for the token’s regulatory standing.
The pundit noted that the Digital Asset Market Clarity Act would formally classify utility tokens like XRP as digital commodities under the Commodity Futures Trading Commission rather than the Securities and Exchange Commission. That shift would draw a clear line between securities and commodities oversight. Moreover, it would address the uncertainty that followed Ripple’s lengthy legal dispute with the SEC.
BankXRP also cited Ripple CEO Brad Garlinghouse, who recently raised his confidence level to 90% that the bill will clear Congress by the end of April 2026. An earlier estimate had placed the odds at 80%.
Consequently, attention has turned toward Washington as lawmakers work to resolve stablecoin regulation and banking integration debates. U.S President Donald Trump has signaled interest in advancing clearer crypto policy frameworks, which observers view as supportive of legislative progress.
Regulatory Clarity Could Expand XRP’s Institutional Reach
BankXRP argues that a commodities designation would materially change how U.S. financial institutions approach XRP. Banks and investment funds have often cited regulatory ambiguity as a primary obstacle. However, defined CFTC oversight could lower compliance risk and encourage broader use of Ripple’s payment infrastructure.
Additionally, clearer rules may support the rollout of Ripple’s RLUSD stablecoin initiative within U.S. markets. The pundit believes that regulatory alignment could strengthen efforts tied to federal banking access and settlement systems. Besides that, he also pointed to potential price implications if institutional flows accelerate following legal clarity.
XRP Could Surge Between $5 and $100
BankXRP projected the price of XRP to surge between $5 and $10 under steady adoption conditions. However, in a more expansive scenario, he extended his target toward $50 to $100 if deep U.S. banking integration materializes. Still, those figures remain speculative and depend on legislative outcomes as well as overall market performance.
Lawmakers continue reviewing the bill’s final language before any vote. Even so, public statements from Ripple’s leadership indicate rising confidence within the industry.
Ultimately, the Clarity Act has emerged as a central factor in Ripple and XRP’s U.S. outlook. If Congress advances the bill as projected, regulatory certainty could reshape institutional participation and stablecoin deployment across American markets.
Also Read: 2.5 Million XRP Ledger Transaction Jump Per Day Amid XRP Price Crash – What’s Happening
