TLDR

Ripple CEO Brad Garlinghouse predicts a 90% chance that the Clarity Act will pass by April 2026.
The Clarity Act aims to provide regulatory clarity for cryptocurrencies like XRP.
The bill faces delays due to disagreements over stablecoin yield and its impact on bank capital.
XRP could benefit from the Clarity Act by gaining recognition as a digital commodity.
Experts believe XRP’s price could rise to between $5.00 and $10.00 if the bill passes.

Ripple CEO Brad Garlinghouse believes there is a 90% chance the Clarity Act will pass by April 2026. The bill, aimed at providing regulatory clarity for cryptocurrencies, has faced delays due to disagreements over stablecoin yield. If the Clarity Act clears these hurdles, XRP could experience a surge in value, especially if it achieves full integration with U.S. banking systems.

Garlinghouse’s confidence in the bill passing stems from recent developments, including the backing of key figures like Senator Bernie Moreno. Despite these positive signs, the legislation still faces challenges related to stablecoin yield and its impact on bank capital. However, Garlinghouse remains optimistic, stating that XRP could benefit greatly from the regulatory certainty the bill provides.

Ripple CEO Confident Clarity Act Will Pass

Ripple CEO Brad Garlinghouse has stated that he now sees a 90% chance the Clarity Act will pass by April 2026. Previously, he had estimated an 80% likelihood of the bill’s passage. The latest increase in confidence comes after significant support from lawmakers and prediction markets reacting positively to the bill’s potential.

The Clarity Act would provide clear guidelines for cryptocurrencies like XRP, classifying them as digital commodities. This could remove the regulatory uncertainty that has weighed on the market for years. Garlinghouse’s prediction was supported by recent comments from key figures, including Senator Bernie Moreno, who has expressed strong backing for the bill.

Despite the ongoing debates over stablecoin yield, Garlinghouse believes that the bill will progress, bringing XRP closer to seamless integration with U.S. banks. If this occurs, XRP’s role as a bridge asset in the U.S. financial system could significantly impact its price.

XRP Price and Banking Integration Potential

XRP’s current price of $1.40 could see a substantial increase if it achieves full integration with U.S. banking systems. Experts suggest that the Clarity Act would officially designate XRP as a digital commodity, leading to a range of price outcomes depending on the depth of adoption.

According to Google Gemini, XRP’s price could reach between $5.00 and $10.00 if it becomes a recognized digital commodity. This initial surge would come with regulatory clarity, removing barriers to widespread adoption. As adoption grows, the price could increase further, with XRP being used by Tier-1 U.S. banks for domestic payment systems and liquidity management.

In the most optimistic scenario, XRP could rise above $100.00. This would happen if XRP becomes the primary liquidity layer for U.S. banks, handling multi-billion-dollar transactions with ease. With the passing of the Clarity Act, XRP’s value could directly correlate with the amount of money it moves through the U.S. financial network.

The post Ripple CEO Predicts 90% Chance of Clarity Act Passing, Boosting XRP Price appeared first on CoinCentral.

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Filed under: News - @ February 20, 2026 10:24 am