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>>The Potential Surge of XRP If the Clarity Act Is Enacted and It Becomes Integrated with U.S. Banks

The Potential Surge of XRP If the Clarity Act Is Enacted and It Becomes Integrated with U.S. Banks

crypthub

about 4 hours ago

Regulatory Landscape

The U.S. crypto market has been stalled by regulatory uncertainty. The Digital Asset Market Clarity Act proposes to classify digital assets as commodities, placing oversight with the CFTC. Its passage would build on Ripple’s 2023 court ruling that secondary‑market XRP sales are not securities. Clear legal status is expected to lower institutional risk and attract capital.

Growth Tiers

With the Act enacted, XRP could trade between $5 and $10, roughly a 3.6‑fold rise from its February 2026 price. If U.S. banks adopt RippleNet for cross‑border payments exceeding $10 billion daily, the token may reach $15 to $30 as a functional payment tool. This tier reflects value added by real‑world usage beyond speculative demand.

Liquidity Layer Potential

A more ambitious scenario envisions XRP becoming a core interbank liquidity layer, eliminating the need for pre‑funded accounts. Widespread adoption by major banks would drive substantial demand, justifying valuations above $100. In this view, XRP could evolve into a foundational component of the U.S. financial system.