XRP Price if Clarity Act Passes and XRP Achieves Integration with U.S. Banks

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.

Key Points

• The Clarity Act faces delays due to disagreement over yield-bearing stablecoins and their impact on bank capital.
• Garlinghouse said he previously assigned an 80% chance of passage in April, but now sees a 90% probability that the bill will pass.
• Crypto and banking leaders recently attended a White House meeting on the bill, with Ripple’s chief legal officer representing the company.
• XRP currently trades at $1.40 but could see greater adoption if full regulatory clarity follows the bill’s passage.
• Gemini suggested that XRP could rise to a range between $5 and $100 if the Clarity Act allows it to achieve seamless integration with U.S. banking networks.

Ripple CEO 90% Sure Clarity Act Will Pass in April

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. 

However, speaking later on FOX Business, he admitted that no one can fully predict what the Senate or Congress will do. Still, he called attention to prediction markets that jumped after comments from Senator Bernie Moreno, who backs the bill. According to Garlinghouse, there is now a 90% chance that the legislation will pass by the end of April.

XRP and Crypto Await Full Clarity

At press time, XRP changed hands at around $1.40. The token has gained a level of regulatory clarity after actions taken under the Trump administration, including the end of the Ripple vs. SEC lawsuit and other crypto-friendly steps. Despite this, XRP and the broader crypto market still do not have full regulatory clarity. The Clarity Act could finally provide the missing piece.

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.

XRP Price if It Achieves Integration with U.S. Banking Networks

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. 

Specifically, at $1.40, a $1 billion transfer would use up a large share of exchange liquidity and cause sharp price swings. At $20 or more, XRP would have enough depth to handle multi-billion-dollar transfers without major disruption.

The final and most bullish scenario pushes XRP above $100.00. In this case, the Clarity Act would allow XRP to act as the main liquidity layer for the U.S. banking network. Gemini argued that the token’s value would need to rise in line with the amount of money it moves.