The post XRP Leads Major Altcoins Higher as CLARITY Act Triggers Payment-Focused Crypto Rally appeared first on Coinpedia Fintech News

XRP is showing a clear power move following Thursday’s CLARITY Act markup vote, leading payment-focused cryptocurrencies higher across the board. The token rose 4.51% in 24 hours to $1.49, while Bitcoin climbed to $81,449 and Ethereum traded at $2,288. Bigger gains came from XRP, Stellar Lumens, Cardano, and Hedera, with each posting outperformance against Bitcoin on the day.

Why XRP Is Leading

XRP stands out as the most direct beneficiary of the CLARITY Act. The bill codifies Judge Torres’ ruling that XRP secondary market sales are not securities into permanent federal law, removing a regulatory overhang that has defined the asset for years.

It also gives Ripple legal clarity to expand RLUSD, its dollar-backed stablecoin, across the US market. With Section 401 of the bill explicitly authorising US banks to use digital assets for payments, custody, and settlement without prior regulatory approval, Ripple’s institutional payment infrastructure now has a clear federal pathway into the American banking system.

Why Stellar, Cardano and Hedera Are Rallying Too

The same logic applies to other payment-focused cryptocurrencies. Stellar Lumens, Cardano, and Hedera are all positioned in the same category as XRP under the new regulatory framework. They are utility-focused networks built for payments, settlement, and tokenisation, exactly the use cases the CLARITY Act is designed to unlock.

When regulatory clarity arrives for one payment chain, it arrives for all of them. The market is repricing the entire category simultaneously.

The CME and Institutional Signal

Adding to the momentum, CME Group and NASDAQ announced the June 8 launch of crypto index futures tracking Bitcoin, Ethereum, Solana, XRP, Cardano, Chainlink, and Stellar Lumens in a single contract. Institutional infrastructure is being built in parallel with the regulatory framework.

XRP also became the most traded asset on South Korea’s Upbit exchange this week with $110 million in 24-hour volume, surpassing both Bitcoin and Ethereum. XRP ETFs in the US recorded their largest inflows in four months even as Bitcoin and Ethereum funds saw outflows.

What It Means

The CLARITY Act is not creating a vertical bull market overnight. But the rotation is already visible. Capital is flowing into the assets best positioned to benefit from a regulated environment where banks can integrate crypto infrastructure directly into their payment and settlement systems.

For XRP and the payment-focused chains rallying alongside it, the regulatory uncertainty that defined the past decade is being replaced by federal law. The market is starting to price what that actually means.

The post Analyst Reveals What CLARITY Act Passing Today Means for Bitcoin, Ethereum and XRP Prices appeared first on Coinpedia Fintech News

The CLARITY Act cleared the Senate Banking Committee on Thursday in a 15-9 vote, marking the most important step yet for the most important crypto regulation bill in US history. Markets responded immediately. Bitcoin climbed to $81,449, Ethereum rose to $2,288, and XRP surged 4.51% to $1.49, leading major altcoins higher on the news.

Crypto analyst Michaël van de Poppe broke down what comes next and what it actually means for prices across the major digital assets.

The Path Forward Is Not Simple

Van de Poppe opened up about the procedural challenges still ahead. The bill now moves to the full Senate where it needs 60 votes to pass. Only two Democrats joined Republicans on the committee vote, which means significant outreach across the aisle is still required. 

From there it heads to House reconciliation, which should be largely a formality since the House already approved an earlier version of the bill. After presidential signature, agency rulemaking begins, a process that typically takes one to two years before regulations actually take effect.

The GENIUS Act for stablecoins followed exactly this timeline. The stablecoin market has rocketed since its approval, providing a clear template for what CLARITY Act implementation could mean for the broader crypto market.

The Real Impact on Bitcoin, Ethereum and XRP

Van de Poppe was clear that this is not going to trigger an immediate vertical move higher. The market does not work that way. But the structural shift is significant.

For Bitcoin and Ethereum, the bill cements their status as digital commodities under CFTC jurisdiction, removing the regulatory overhang that has kept some institutional capital sidelined for years. For XRP, the legislation does something arguably more significant. It codifies Judge Torres’ ruling into permanent federal law, making the question of whether XRP is a security legally settled rather than subject to future SEC interpretation.

For altcoins broadly, the bill creates clear classification rules. Most are likely to be categorised as digital commodities rather than securities, which van de Poppe described as positive for the entire sector.

Three Structural Catalysts

Beyond price action, van de Poppe identified three longer-term shifts the bill enables:

• DeFi gains formal legal protections, opening the door for institutional developers and traditional finance firms to build on-chain
• Pension funds and large allocators can now formally allocate capital to digital assets within a regulated framework
• The window for altcoin returns is opening as institutional clarity arrives, with van de Poppe saying he remains fully allocated to altcoins in his personal portfolio

The post Is 10,000 XRP Enough to Retire? Analyst Maps Two Timelines to $1 Million appeared first on Coinpedia Fintech News

It is the most searched question in the XRP community right now. How much XRP is actually enough? Analyst Zach Rector tackled it directly this week, and his answer depends entirely on what you are trying to achieve and how long you are willing to wait.

Wallets holding at least 10,000 XRP just hit an all-time high of 332,230 according to Santiment data, a record that has been building consistently since June 2024. Even through volatility and sideways price action, larger holders have kept accumulating.

The Two Timelines

Rector ran two scenarios for a 10,000 XRP position purchased today at approximately $1.44, a total investment of around $14,400.

Conservative timeline: XRP reaches $10 this year giving a $100,000 portfolio, climbs to $50 by 2029 for $500,000, and hits $100 by 2033 to 2034 for a $1 million portfolio. Total wait: roughly a decade.

Aggressive timeline: XRP hits $10 this year, $50 by 2027, and $100 by 2029. Same $1 million outcome but compressed into three years.

The Part Most People Miss

Rector made a point that separates serious investors from casual holders. When XRP reaches $100 and your 10,000 tokens are worth $1 million, the smart move is not to sell. It is to borrow against the position.

Using XRP as collateral at 40 to 50% loan to value ratios, holders could access $400,000 to $500,000 in liquidity without triggering a taxable event and without surrendering the underlying asset. That capital then goes into cash-flowing real estate, a business, or other investments that compound independently.

Is It Enough for Generational Wealth?

Rector’s honest answer: probably not on its own. His generational wealth number is $10 million or more given current inflation. But 10,000 XRP at $100 gives you the foundation and the leverage to build toward that number if you invest the proceeds wisely rather than spend them.

The window to accumulate is still open. The record wallet count suggests plenty of people already know it.

The post Bitcoin Price Rallies as CLARITY Act Markup Begins: Breakout or Bull Trap? appeared first on Coinpedia Fintech News

Bitcoin staged a strong bounce on Thursday, rebounding sharply from a key technical support level just as the Senate Banking Committee began its live markup of the CLARITY Act. Crypto markets have been waiting months for this regulatory moment and the price reaction suggests at least some of that anticipation is being priced in real time.

The bounce came directly off the 21-week exponential moving average,a level analysts had been flagging for days as the critical support line that would define whether the short-term uptrend remained intact.

What the Chart Actually Says

Despite the positive price action, analysts issued warnings before calling this a breakout. Bitcoin has rallied more than 30% from its February lows but has only just reached what technical analysts describe as standard resistance levels within a larger bearish structure.

The current move remains a three-wave corrective advance rather than the five-wave trending structure that would confirm a genuine new bull phase. Until Bitcoin produces five clear waves higher, the rally is technically classified as a counter-trend move within a larger correction.

Resistance levels standing between current prices and a real breakout:

• $81,300 first structural resistance
• $82,400 recent swing high that needs to be cleared
• $84,500 open CME gap sitting directly above
• $86,000 to $87,000 the next meaningful Fibonacci target zone

A comparison with the 2022 bear market rally is instructive. That bounce reached a 50% Fibonacci retracement and moved roughly 10% above the 21-week EMA before collapsing. Bitcoin is currently only at the 38.2% retracement. The 50% level sits around $87,000, suggesting more upside is possible before the larger bearish pattern reasserts itself.

The Level That Breaks the Bull Case

On the downside, $76,527 is the number to watch. As long as Bitcoin holds above that Fibonacci support zone, the short-term bullish momentum stays alive. A break below it changes the picture entirely.

For now the CLARITY Act catalyst and the technical bounce are pointing in the same direction. Whether that continues depends on what comes out of Thursday’s Senate committee room.

The post CLARITY Act LIVE Update: Senate Banking Committee Advances CLARITY Act 15-9 appeared first on Coinpedia Fintech News

The post Why One Banking Systems Engineer Thinks XRP Price Could Hit $300 After Clarity Act Passes appeared first on Coinpedia Fintech News

Banking systems engineer CharuSan has outlined a case for XRP reaching $300 that rests not on speculation but on how banking infrastructure actually works at scale.

The argument challenges a widely held assumption. Most XRP price forecasts model adoption as a slow process where Ripple signs individual contracts with thousands of banks one by one. CharuSan says that misunderstands how modern banking software is deployed.

Ripple has already partnered with major financial infrastructure providers including Volante, ACI Worldwide, and Finastra. These companies do not serve one bank at a time. They serve thousands of banks simultaneously through centralised cloud systems. A single software update from any one of these providers can make XRP liquidity available to every bank connected to their network overnight.

How XRP will reach $300

Shortly after the clarity law is enacted, banks will start using XRP. Those who say XRP will rise slowly or only reach $5 or $10 view banks like grocery stores joining the system one by one. However, Ripple has already partnered with giant infrastructure… pic.twitter.com/pCyJS0JNty

— CharuSan XRP (@CharuSan83) May 11, 2026

“Ripple does not need to sign individual contracts with 13,000 banks,” CharuSan wrote. “The moment they plug into the central cloud, all banks connected to the system become capable of using XRP liquidity.”

The Price Logic

On valuation, CharuSan made a structural argument rather than a speculative one. If XRP remains at $10 to $20, the total liquidity pool it can provide is too small to handle the volume of global cross-border payments that banks process daily. He compared it to trying to move ocean water through a small straw.

As adoption scales and transaction demand increases, a higher token price is not just a side effect. It is a requirement. Larger payment flows need deeper liquidity pools, and deeper liquidity pools require a higher token price to function efficiently.

The Counterargument

Critics say that $300 would place XRP’s market cap in territory that would require extraordinary capital inflows. Most long-term price models top out between $30 and $100. 

The post Ripple News: Analyst Reveals Whether Ripple Making Billions Actually Benefit XRP Holders appeared first on Coinpedia Fintech News

Charles Hoskinson, founder of Cardano, has been publicly critical of Ripple and XRP in recent months, making claims that the XRP community says are inaccurate.

Hoskinson’s specific claims centred on four points. That Ripple dumps XRP whenever it wants. XRP holders have no ownership stake in Ripple Prime or RLUSD. That there is no staking yield for XRP holders. And that Ripple’s business activities create no meaningful benefit for token holders.

Crypto commentator Max Avery reacted to the same and said Ripple’s XRP holdings are locked in an escrow system with a fixed monthly release schedule that has been publicly verifiable on-chain for years. “It always is kind of perplexing to me when I see people think that Ripple just dumps whenever they feel like it,” Avery said. 

The Utility Argument

On whether Ripple’s business benefits XRP holders, Avery framed the connection as structural. XRP serves as a neutral bridge asset in cross-border value transfer with no counterparty risk. Every major Ripple product including RLUSD, Ripple Prime, and cross-border payment infrastructure connects back to the XRP Ledger and drives demand for the token itself.

“The XRP token serving as the neutral bridge asset is ultimately going to lead to an increased value for XRP and increased demand for XRP,” Avery said.

ETF and treasury company inflows support that view. Evernorth and similar XRP treasury vehicles are accumulating tokens off the open market. “There’s been a tremendous amount of interest in XRP despite the FUD, despite people posting stuff about how it’s a scam,” Avery noted. “It’s the same broken record we’ve heard for ten plus years.”

Why Institutions Are Moving Carefully

Avery pushed back on frustration about the pace of institutional adoption with a pointed analogy. “Think of how hard it is for these institutions to change their email service provider, let alone change over something that’s running all of their liquidity and payment infrastructure.”

The challenge is coordination as much as technology. An institution cannot go live with new payment rails if its counterparties are not yet on the same infrastructure. Legal clarity through the CLARITY Act is also a prerequisite many institutions are waiting for before committing fully.

“They’re not going to go fast,” Avery said. “And I think that’s the right decision because I don’t want to go to the bank and be told sorry, we can’t give you any money this week, we screwed up.”

The post CLARITY Act Thursday Markup Explained: What It Actually Means and What Happens Next appeared first on Coinpedia Fintech News

There is widespread confusion in the crypto community about what Thursday’s Senate Banking Committee markup actually means for the CLARITY Act. To be direct: a successful markup on Thursday does not mean the bill becomes law. It does not even mean the bill goes to the Senate floor for a vote. It is one step in a much longer process.

Ron Hammond, Head of Policy and Advocacy at Wintermute, broke down exactly what is happening and why it matters.

What a Markup Actually Is

A markup is the process where committee members debate, amend, and vote on a bill before it can advance to the next stage. Think of it as the committee giving the bill its final shape before passing it up the chain.

On Thursday, Senate Banking Committee Chairman Tim Scott will present the base draft. Members can then propose substitute amendments. The committee votes on those amendments and ultimately on whether to advance the bill out of committee. If it passes, the bill moves to the next stage. If it fails, the process stops entirely.

Why Amendments Are Flying In From Every Direction

Hammond made an important point about why over 100 amendments have been filed. Bills of this size and scope are extraordinarily rare in the Senate Banking Committee. The committee has passed roughly three major bills in the past decade, including Dodd-Frank, the fix to Dodd-Frank, and the GENIUS Act. That is it.

When a major financial services bill comes along, every senator with a pet project sees it as a rare opportunity to attach their priorities. Prediction market provisions have been attempted and removed. A credit card competition measure was attached to the GENIUS Act and thrown out. A housing provision has reportedly been included in the current CLARITY Act draft, widely understood as a political sweetener to secure at least one Republican vote from Louisiana.

The Senate, Hammond explained, loves to see what it can attach. These trains do not leave the station often.

What Happens After Thursday

If the bill clears the Banking Committee on Thursday, the work is far from over. The Banking Committee version covers roughly half the bill. The other half passed through the Agriculture Committee separately. Both versions need to be legally consolidated and harmonised into a single clean bill. That process alone could take two to three weeks.

While that consolidation happens, the real political work begins. The bill needs 60 votes to pass the full Senate floor. That means every Republican plus nine to ten Democrats must vote yes. Senate leadership will not bring a bill to the floor unless they are confident the 60 votes are there. The McCain healthcare moment, where a single unexpected no vote killed the bill at the last second, is the cautionary tale everyone in Washington remembers.

Democrats who are currently undecided or opposed will need to be brought across the line one by one. Each of them will have specific demands. The challenge is ensuring those demands do not contradict each other or water the bill down to the point where it loses Republican support.

The Real Question Heading Into Thursday

The immediate focus for the next 24 hours is whether Democrats on the Banking Committee vote yes on Thursday. If they do not, the bill advances on a party-line Republican vote. That is legally sufficient to pass committee but politically complicates the 60-vote hunt on the Senate floor.

A partisan committee vote means Democrats arrive at floor negotiations with less goodwill and more leverage. A bipartisan committee vote, even with just one or two Democratic yes votes on Thursday, changes the dynamics significantly heading into the harder fight.

Thursday matters. But it is the beginning of the hard part, not the end.

The post Bitcoin, Ethereum and XRP Price Analysis: What’s Coming Next? appeared first on Coinpedia Fintech News

Bitcoin continues trading within a well-defined parallel channel, repeatedly testing the upper boundary around $82,000 to $86,000 and facing consistent rejection. The technical concern is a bear flag formation developing since the drop from the $126,000 all-time high.

Analyst Gareth Soloway, who identified this resistance zone months ago, said the market has reached his target but has not broken through convincingly. The 61.8% Fibonacci retracement of the full decline sits directly at current resistance, which he described as the line in the sand. A sustained move above it opens a test of $86,000 to $87,000. Failure keeps the bear flag intact with downside risk toward prior lows.

The probability of a downside resolution remains above 50% but has diminished as the flag pattern extends in duration, shifting from roughly 75% to below 70%. Soloway said he has already exited his Bitcoin and Solana positions at current levels.

Ethereum: Cup and Handle Points to $2,700

Ethereum continues lagging broader market moves but a potential cup and handle formation is developing on the chart, projecting a move toward $2,700 if the pattern remains intact. The defined failure point is the trendline support currently holding the structure together. A break below it invalidates the setup and opens the door to a more significant decline.

XRP: Year-Long Trendline at a Breaking Point

XRP is pressing against a downward sloping trendline stretching back to July 2025, with confirmed touches in October 2025 and January 2026. Soloway said he remains long XRP with the failure point clearly defined at $1.38.

A confirmed break above the trendline projects upside toward $1.73 to $1.83. A break below $1.38 negates the setup entirely. The pattern offers what traders value most: a defined trigger, a clear failure level, and a measurable target.