The CLARITY Act is not just a policy update. It is a structural shift that changes how digital assets get held, traded, and settled globally. For XRP holders, one analyst believes this moment marks the beginning of a sequence, not a spike.
Iso Ledger (@JamesDula82) laid out a detailed breakdown of three distinct phases following regulatory clarity for XRP. His thesis centers on a mechanical transition in global settlement infrastructure.
The first phase, which he estimates spans the initial 90 days after the CLARITY Act passes, will not look dramatic on the surface. Compliance departments at banks will green-light payment rails they previously could not touch. Custodians will activate dormant pipelines. Institutional buyers will enter the market and outbid exchanges for available supply.
That last point is critical. Once institutional custody requirements become mandatory, exchanges lose their role as warehouses. According to Iso Ledger, they become mere interfaces. As institutional demand absorbs available tokens, exchange order books thin out. The result is a price increase driven by supply compression.
Between three months and one year post-clarity, Iso Ledger projects the first major repricing event. Payment corridors activate, and cross-border settlement demand becomes measurable and persistent. Institutions hold inventory not for speculation but for throughput, further reducing circulating supply.
This is the phase where XRP’s behavior shifts. It stops trading like a speculative crypto asset and starts functioning as a settlement substrate across foreign exchange and liquidity-on-demand use cases. The market, he argues, will begin to recognize what it is actually holding.
The third phase, projected to unfold over one to three years, is where institutional standardization takes hold. Banks, payment service providers, and custodians build mandatory inventory requirements. Payment demand becomes continuous rather than event-driven, and price movements become a function of global settlement volume, not sentiment.
Iso Ledger also referenced XLS-66D, an amendment to the XRP Ledger. The amendment introduces tokenized asset functionality and automated distribution mechanics.
It allows holders to receive yield-like returns directly from ledger activity without liquidating their positions. As a result, patient holders won’t need to sell their tokens to benefit from XRP’s final phase of growth.
The CLARITY Act establishes a legal distinction between digital commodities and digital securities. For XRP, this matters because it removes the regulatory ambiguity that has kept institutional capital on the sidelines. In this scenario, the CLARITY Act is the key that will unlock XRP’s true potential.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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