The XRP price could witness a decisive push if the Clarity Act passes and XRP achieves seamless integration with U.S. banking networks.
While the Clarity Act has hit a roadblock amid disagreements on stablecoin yield, Ripple CEO Brad Garlinghouse insists there is a 90% chance the bill will pass by April 2026. Such a development could have a positive impact on altcoins like XRP in terms of regulatory clarity.
Notably, the Clarity Act has hit a snag as banks and crypto companies argue over whether stablecoins should offer yield. Banks insist that if stablecoins pay yield, money could leave traditional bank accounts and flow into crypto instead. This concern has slowed the bill for now, with discussions still ongoing.
Meanwhile, Ripple CEO Brad Garlinghouse remains confident the bill will move forward. He had earlier said he was about 80% sure the Clarity Act would pass in April this year.
If lawmakers pass the bill and XRP receives complete regulatory certainty, some believe it could fully connect with U.S. banking networks. This may lead to broader use in the financial system.
However, no one knows exactly how the price would respond to such a development. As a result, we asked AI chatbot Google Gemini to assess what could happen under the most positive conditions.
In its response, Google Gemini suggested that once regulators clear XRP, its value could move beyond retail speculation and instead reflect its role as a regulated bridge asset for the U.S. financial system. Gemini shared three possible price stages based on different levels of adoption and integration.
The first stage ranges from $5.00 to $10.00. In this case, the Clarity Act would officially classify XRP as a digital commodity, removing the regulatory uncertainty that has weighed on its price for years.
The second stage falls between $15.00 and $30.00. Here, full regulatory clarity would lead to XRP’s use in U.S. domestic payment systems, including by Tier-1 banks for internal liquidity management. Gemini highlighted liquidity depth as a major factor.
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