XRP Price Prediction: Will Ripple Surge After Clarity Act?

XRP trades near $1.37 on March 26, 2026, with a market capitalization of about $83.8 billion and 24-hour volume around $2.46 billion, according to CoinGecko data viewed on March 26, 2026. The policy catalyst in focus is the Digital Asset Market Clarity Act of 2025, but Congress.gov shows the bill passed the House on July 17, 2025 and has been sitting in the Senate Banking Committee since September 18, 2025, meaning any “surge after passage” thesis still depends on a legislative step that has not happened yet.

XRP’s setup is no longer just a legal-recovery trade. It is now a mix of regulation, exchange liquidity, and post-lawsuit repricing. That makes the CLARITY Act relevant, but not sufficient on its own. For U.S. readers searching whether Ripple could run if the bill passes, the factual answer is narrower: the bill could improve regulatory clarity for digital commodities, yet XRP is already trading in a market shaped by the end of the SEC appeal fight in 2025 and by a much lower spot price than its July 18, 2025 all-time high of $3.65.

294-134 House Vote Shows Why CLARITY Still Matters

The CLARITY Act is a real bill, not a rumor. Congress.gov identifies H.R. 3633 as the “Digital Asset Market Clarity Act of 2025,” introduced on May 29, 2025. The House passed it on July 17, 2025 by a 294-134 vote, and the latest listed action is September 18, 2025, when the Senate received the bill and referred it to the Committee on Banking, Housing, and Urban Affairs. As of March 26, 2026, Congress.gov still marks the measure as “Passed House,” not enacted law.

That distinction matters for XRP. A market narrative built on “once CLARITY passes” assumes a future event. The bill’s text says it would create a system for regulating the offer and sale of digital commodities involving both the SEC and CFTC. For traders, that is potentially supportive because XRP’s valuation has long carried a regulatory discount. But there is no factual basis to write as if the act has already cleared the Senate or become law.

Why the 2025 SEC Exit Already Removed a Major XRP Discount

Any XRP upside case tied to regulation has to account for what the market already priced in last year. Axios reported on March 19, 2025 that Ripple said the SEC would withdraw its appeal in the long-running XRP case. AP reported on March 20, 2025 that XRP jumped more than 8% after Ripple CEO Brad Garlinghouse said regulators had dropped the case. That means one of the largest overhangs on XRP was already eased before the CLARITY Act could move further in Congress.

Price history reinforces that point. CoinGecko shows XRP later reached an all-time high of $3.65 on July 18, 2025. By March 26, 2026, it trades at $1.37, or roughly 62.5% below that peak. In other words, the market has already experienced both the legal-relief rally and a substantial retracement. A fresh legislative catalyst would therefore be acting on a different base: not a lawsuit-era discount, but a post-rally asset that has cooled sharply.

62.5% Below the Peak: What Would Need to Change for XRP

For XRP to “run” in a measurable way, the market likely needs more than a headline about legislative progress. CoinGecko data shows the token is trading near the low end of both its 24-hour range of $1.34 to $1.42 and its 7-day range of $1.35 to $1.46. That is not the profile of a breakout already underway. It does, however, show active liquidity: 24-hour volume is about $2.45 billion to $2.46 billion, and CoinGecko says that figure is up 27.3% from a day earlier.

The significance of that volume is mixed. Higher turnover can support price discovery if a catalyst lands, but it can also reflect distribution in a weak tape. XRP’s circulating supply is about 61.34 billion against a 100 billion maximum supply, which means valuation moves require large capital flows. At $1.37, the market cap is already above $83 billion. A return to the $3.65 peak would imply a market value well above the current level, assuming supply remains broadly similar.

How Senate Delay Changes the “Will Ripple Surge?” Trade

The strongest factual takeaway is timing risk. The CLARITY Act is not on the final step; it is between House passage and any Senate vote. That means traders betting on immediate upside from “passage” are effectively betting on a political process with no enacted date yet visible on Congress.gov.

There is also an asset-specific issue. The bill is a market-structure proposal for digital assets broadly, not an XRP-only measure. So even if it advances, any benefit to XRP would likely be shared across other tokens exposed to U.S. regulatory uncertainty. XRP may still react more than peers because of its long legal history with the SEC, but that is an inference from market structure and prior price behavior, not a guaranteed outcome.

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