2 Ripple (XRP) Price Scenarios If the CLARITY Act Passes or Fails

Jakarta, Pintu News – Ripple (XRP) is in the spotlight in the global crypto market, especially ahead of the important decision regarding the Digital Asset Market Clarity Act (CLARITY Act) 2026 in the United States. The price of Ripple (XRP) is currently hovering around $1.33, signaling a long consolidation phase.

Market participants and analysts agree that the fate of Ripple (XRP) now depends heavily on the regulatory certainty that will soon be decided. In the coming weeks, the decision regarding the CLARITY Act is predicted to be a major determinant of Ripple’s (XRP) price direction and the future of institutional adoption in the crypto sector.

Banks and Institutions Await Regulatory Certainty

One of the main factors holding back Ripple (XRP) is the hesitation of large financial institutions to enter the crypto market without legal certainty. According to Coinpedia, Ripple’s CEO, Brad Garlinghouse, emphasized that banks in the United States are still waiting for regulatory clarity before actually jumping into the crypto ecosystem.

According to Garlinghouse, the CLARITY Act could be a key enabler for banks and financial institutions to start offering digital asset-related services on a massive scale.

If this rule is passed, a surge in liquidity and accelerated development of crypto-based financial products is expected. In addition, Garlinghouse also mentioned that the legislative process is likely to reach a bright spot by late spring, with some expecting a decision to be made before the end of May. However, he also cautioned that the legislative process is often unpredictable and could experience delays.

Meanwhile, analysts like Geoffrey Kendrick of Standard Chartered think that the outcome of this regulation will be a major catalyst for the price movement of Ripple (XRP). As such, the entire crypto ecosystem is now waiting expectantly for this important decision.

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Ripple (XRP) Price Scenario If CLARITY Act Passed

If the CLARITY Act is successfully passed, analysts expect a major change in the behavior of financial institutions. Legal certainty will remove a major obstacle for pension funds, hedge funds, and asset managers to start investing in Ripple (XRP) in a significant way.

It is estimated that Ripple (XRP)-based investment products such as exchange-traded products (ETPs) could attract an inflow of between $4,000,000,000 to $8,000,000,000. This could potentially trigger a surge in the price of Ripple (XRP) well above the current range. On-chain data also shows that there has been massive accumulation by Ripple (XRP) holders in recent times, while Ripple (XRP) reserves on exchanges continue to decline.

This phenomenon is often interpreted as large investors preparing for an upcoming major catalyst. If the flow of institutional funds really comes in, Ripple (XRP) has the opportunity to experience repricing and break through new psychological levels. This will certainly bring Ripple (XRP) to a new chapter in the history of crypto asset price movements.

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Risk if regulation is delayed, Ripple (XRP) could stagnate

However, if the CLARITY Act fails to pass or experiences delays, Ripple (XRP) is predicted to remain stuck in a dull consolidation phase. In this scenario, the price of Ripple (XRP) is likely to only move in a narrow range between $1.50 to $2.50 without any strong push from institutional investors.

Regulatory uncertainty will keep banks and financial institutions reluctant to enter the Ripple (XRP) market, so institutional adoption in the United States will be very slow. As a result, Ripple (XRP) price movements will be more influenced by general crypto market sentiment and global macroeconomic factors.

Without a catalyst from the regulatory side, Ripple (XRP) will find it difficult to break out of the sideways movement pattern that has been going on for quite some time. Retail investors are also likely to refrain from making large accumulations before there is legal certainty.

Meanwhile, competitors such as Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) may steal the show if they gain regulatory support first. Thus, the future of Ripple (XRP) largely depends on the legislative decisions that will be taken in the near future.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Coinpedia. XRP Price Prediction: Two Scenarios if the Clarity Act Passes or Fails. Accessed on March 30, 2026
• Featured Image: Crypto Nieuws