XRP Price Could Surge to Double-Digits by End of Trump Term as Clarity Act Nears Passage, Experts Say
March 22, 2026 – A significant breakthrough in cryptocurrency regulation in the United States has ignited optimism among market analysts and industry insiders regarding the potential for XRP’s price to climb into the double-digit range before the conclusion of former President Donald Trump’s term. This bullish outlook follows recent advances in the legislative process surrounding the Clarity Act, a bill poised to bring increased regulatory certainty to the digital assets sector.
Clarity Act Inches Closer to Becoming Law
After months of intense negotiations, a last-minute compromise has been reached between key stakeholders including the White House, major U.S. banks, and cryptocurrency firms over provisions related to stablecoin yield regulations. This development has dramatically improved the likelihood of the Clarity Act passing this year, with prediction market Polymarket recently adjusting the probability of the bill’s enactment to 72%, up from 63% just a week ago.
Central to the negotiations was the contentious issue of whether stablecoin holders should be permitted to earn interest on their holdings. Traditional banks strongly opposed any measures that might allow stablecoin yields of 4% to 5% annually, fearing such returns would siphon deposits away from conventional banking systems. The compromise limits the ability of crypto firms to advertise such returns explicitly, banning terms like “interest” or “yield” in relation to stablecoin rewards, while not completely eliminating earning potential for holders.
Patrick Witt, Executive Director of the White House Crypto Council, hailed this agreement as “a major milestone,” praising Senators Tom Tillis and Tim Scott for helping to bridge the longstanding partisan divide. Ripple CEO Brad Garlinghouse previously suggested the bill had a 90% chance of passing by the end of April, underscoring the market’s growing confidence.
Implications for XRP and the Broader Crypto Market
Senator Cynthia Lumis, a prominent advocate for the Clarity Act, emphasized the legislation’s alignment with Trump’s vision to establish the United States as the global center for digital assets. For XRP specifically, the stakes are particularly high with recent regulatory signals from the Commodity Futures Trading Commission (CFTC) and the Securities and Exchange Commission (SEC) designating XRP, along with Chainlink and similar tokens, as digital commodities rather than securities. This critical classification removes a major legal obstacle that has historically hindered institutional investment and adoption.
Evernorth, a firm reportedly assembling the world’s largest XRP treasury ahead of a planned Nasdaq listing, highlighted the increasing institutional use of XRP as an efficient cross-border liquidity bridge. According to their CEO, the long-term value and demand for XRP will be driven by its adoption as working capital by banks and corporate entities rather than solely speculative retail trading.
Drawing Parallels to a $600 Trillion Expansion
Supporters of the Clarity Act are drawing inspiration from the Commodity Futures Modernization Act of 2000, which significantly clarified the legal status of derivatives markets, paving the way for explosive growth—from approximately $100 trillion to over $600 trillion within a decade. Although that boom ultimately contributed to the 2008 global financial crisis, proponents argue a similar expansion in digital assets could be unleashed under clear regulatory frameworks.
If such a scenario unfolds, trillions of dollars from major financial institutions like BlackRock, JPMorgan, and Goldman Sachs, which currently remain on the sidelines, could flow into cryptocurrency markets. This influx of institutional capital is credited by some experts as a key driver behind the forecast that XRP’s price may not only rise substantially but potentially reach the coveted double-digit range before the mid-April legislative window closes.
What’s Next: The Senate Banking Committee and Beyond
The Clarity Act’s passage still faces important hurdles, with the upcoming Senate Banking Committee review representing the next significant checkpoint. Observers note that April will be a critical period for the bill’s progress, as legislative focus may shift toward midterm elections if the act does not secure timely approval.
With regulatory clarity on stablecoins and digital commodities seemingly within reach, market watchers and investors alike are keenly watching developments that could herald a new era of institutional engagement and valuation growth for XRP and the broader crypto ecosystem.
Disclaimer: The views expressed in this article are those of the author and do not constitute financial advice. Market conditions can change rapidly; readers should conduct their own research before making investment decisions.
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