clarityact

Brad Garlinghouse just dropped a bombshell.
The Ripple CEO now puts 90% odds that the CLARITY Act becomes law by the end of April 2026 .
This isn't just hopium. This follows a White House meeting between crypto and banking leaders, including Ripple CLO Stuart Alderoty, Coinbase CLO Paul Grewal, and a16z representatives .
Let me break down exactly what this means for XRP and where we stand right now.
THE CLARITY ACT: WHAT'S AT STAKE
This legislation would finally define whether a digital asset is a security or a commodity, establishing clear jurisdictional boundaries between the SEC and CFTC .
The Current Sticking Point:
Banks want a broad ban on stablecoin yields (they see it as a threat to deposits)Crypto firms argue this stifles innovationA compromise is being negotiated with a White House deadline of end of February 
Coinbase CEO Brian Armstrong says there's now "a path forward where we can get a win-win-win outcome – for crypto, banks, and American consumers" .
THE BITCOIN FRACTAL CONNECTION
Here's where it gets interesting for XRP holders.
Analyst EGRAG CRYPTO has highlighted a fractal comparison between XRP's current structure and a previous Bitcoin pattern .
Key points:
The pattern shows structural similarities but different timingXRP is near what the analyst labels a "bottom zone"The Bitcoin example shows subsequent upward expansion 
While fractals are never perfect predictors, this alignment with a major regulatory catalyst is worth watching.
XRP PRICE ACTION: THE REALITY CHECK
Let's be real about where XRP stands right now:
📉 Current Price: ~$1.42 (down 4.55% on the day)
💧 Market Cap Drop: $5.61 billion erased in 24 hours (from $90.5B to $84.9B) 
📊 24h Range: $1.45 support to $1.61 resistance 
⚠️ RSI: 39.02 – edging toward oversold 
📈 XRP/BTC: Actually UP 5.1% against Bitcoin despite USD weakness 
Critical levels to watch:
Support: $1.44 (daily pivot), $1.35 (next major zone)Resistance: $1.61, then $1.70
THE MARKET CONTEXT
XRP isn't bleeding alone. The broader market is under pressure from:
Hawkish FOMC minutes – Fed officials signaled possible rate hikes if inflation stays sticky Geopolitical tension – US-Iran concerns reducing risk appetite Bitcoin below $67,000 – BTC at $66,700, dragging altcoins down 
Total market cap fell ~1.9%, with $223 million in liquidations (mostly longs) .
THE GARLINGHOUSE VISION
Beyond the immediate price action, Garlinghouse is playing the long game. At XRP Community Day, he:
Called XRP Ripple's "North Star" – the core of products like Ripple Payments, Custody, and RLUSD Likened Ripple to Amazon – building infrastructure, not just a crypto company Announced acquisitions: Metaco ($250M, custody) and Hidden Road ($1.25B, prime brokerage) 
His message: Focus on the trillions of dollars of infrastructure, not the daily price wobbles.

We're at a fascinating intersection:
📜 Regulatory catalyst: 90% odds of Clarity Act by April
📊 Technical setup: Bitcoin fractal suggesting bottom zone
📉 Market reality: Short-term bearish pressure from macro
$ENSO
The prediction markets are uncertain – Kalshi odds for passage before June spiked to 85% then slid back to 46% . That volatility reflects real debate.
$XRP
#XRP #Ripple #ClarityAct

The Digital Asset Market Structure and Investor Protection Act (CLARITY Act) is poised to transform U.S. crypto regulation. It aims to clearly split oversight: SEC for security-like assets, CFTC for commodities. Ripple CEO Brad Garlinghouse now gives it a 90% chance of passing by April 2026 after productive White House talks resolved stablecoin disputes.

So Why this is huge for Ripple and XRP?
After years of #SEC battles labeling $XRP XRP an unregistered security, the bill would officially classify “network tokens” like XRP as commodities. That removes SEC enforcement risk and opens the door wide for institutional adoption—especially for Ripple’s On-Demand Liquidity (ODL), already used by banks in over 100 countries.

Clear rules would accelerate XRP’s role in cross-border payments, potentially freeing up trillions currently locked in traditional systems like SWIFT. Analysts see this as a major demand driver for XRP once institutions gain confidence.

Ripple may have to sell billions of XRP
Some drafts cap any single entity’s control at 20% of a token’s supply. Ripple currently holds ~36% (~14 billion XRP). They could use blind trusts or ecosystem funds to comply, which might cause short-term selling pressure but ultimately improve liquidity and decentralization.

With Price potential and ETF momentum
With regulatory clarity, XRP ETFs (already at $1.3B inflows in first 50 days) could explode. Community sentiment recalls 2017’s 36,000% run, with short-term targets ranging from $2–$10 as pension funds and insurers enter. Ripple’s RLUSD stablecoin and potential U.S. banking license add further upside.

Risks and the bigger picture
Passage still requires Senate compromise. Delays could let Europe or Asia gain ground. For XRP holders, this is high-stakes: clarity = moonshot potential.
Bottom line
In a world desperate for fast, borderless finance, the #CLARITYAct could position Ripple and XRP at the center of tomorrow’s economy. The only question left: will Washington deliver before it’s too late?
#WhenWillCLARITYActPass

#WhenWillCLARITYActPass

📜 The CLARITY Act: When Does the Fog Finally Lift? 🌫️🚀
​The crypto world is buzzing with one question: #WhenWillCLARITYActPass? After passing the House with a strong bipartisan majority last July, the Digital Asset Market CLARITY Act is currently the hottest topic in the U.S. Senate. As we navigate February 2026, here is the breakdown of where we stand and why this matters for your portfolio. 🧵👇
​🏛️ The Current Status: The Senate "Standoff"
​While the bill has momentum, it hit a few speed bumps in early 2026:
​The Senate Agriculture Committee recently advanced their version (the DCIA) on January 29, 2026. This is a huge win for the CFTC, which would gain primary oversight of "digital commodities" like Bitcoin and Ethereum.
​The Senate Banking Committee is currently the "final boss." They’ve hit delays over two main sticking points: stablecoin yield rewards (banks aren't fans of the competition) and DeFi regulations.
​🗓️ The Timeline: What to Watch
​Predictions from Capitol Hill and market analysts suggest:
​April 2026: Senator Moreno and other key figures are pushing for a compromise to reach the Senate floor.
​Summer 2026: If a deal is struck, the bill could reach the President’s desk before the midterm election cycle fully takes over.

💎 Why This Is a Game-Changer
​If (or when) it passes, the "Regulation by Enforcement" era officially ends.
​Institutional Wave: Clear rules mean the "Big Money" (pension funds, etc.) can finally dive in without legal fear.
​SEC vs. CFTC: No more guessing games. The Act draws a "bright line" between what is a security and what is a commodity.
​Consumer Protection: Better disclosures and tougher anti-fraud tools mean a safer market for all of us.
​🗣️ Community Poll:
​Do you think the CLARITY Act will be the catalyst for the next "Super Cycle"?
​🚀 YES – Full Send!
​⚖️ Maybe – Depends on the final text.
​📉 NO – The market is already moving on.
​Drop your thoughts below! 👇

​#CryptoRegulation #CLARITYAct #bitcoin

The crypto trading system is holding its breath. The reason is One single piece of legislation in the US could change everything for stablecoins: The Clarity for Payment Stablecoins Act. But the million-dollar question remains—When will it actually pass? Let’s discuss into the details with a simple breakdown.

🔹 What is the Clarity Act?
In simple words, this law aims to regulate stablecoins like $USDC and $USDT. Currently, stablecoins operate in a "gray area." This Act wants to make sure that every digital dollar is backed by real reserves and is safe for users. It’s about Trust and Security.
🔹 Why is it "Stuck" in Congress?
The bill has been moving through the US House Financial Services Committee, but it faces two big hurdles:
The Federal vs. State Debate: Should the Federal Reserve (Central Bank) control stablecoins, or should individual States have the power?Political Tug-of-War: With the 2026 elections approaching, Republicans and Democrats are debating the "fine print" of the law.
🔹 When Will It Pass? (The Prediction)
Based on current political trends and insider research:
The Optimistic View: Some experts believe a breakthrough could happen by late 2026.The Reality Check: If the US Congress remains divided, we might not see a final signature until early 2027.
However, big players like Circle and Tether are already preparing for these rules. The pressure from big banks to have "clear rules" is making the government move faster.
🔹 Why Does This Matter to YOU?
If the Clarity Act passes:
Mass Adoption: Big institutions (like Amazon or Google) will feel safer using stablecoins for payments.Price Stability: Clear rules mean less fear in the market, leading to more "Institutional Money" flowing into Bitcoin and Alts.Your Safety: Your funds in stablecoins will be protected by law, just like bank deposits.
Thoughts
The "Clarity Act" isn't just a law; it’s the bridge between the old financial world and the new crypto future. While the wait is frustrating, the result will be a much stronger and safer crypto market for all of us.
What do you think? Will the US pass this act this year, or will they keep us waiting? Let’s discuss in the comments!
#ClarityAct #CryptoRegulat #BinanceSquare #writetoearn #BTC