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Ripple (XRP) is trading at $ 1.34 on April 7, with an increase of 2.2% led by the risk factor following the news of the end of the fire. However, the rate level that will govern events in April will not only be determined by economic sentiment, but will be decided within the corridors of the US Senate Banking Committee.
The CLARITY Act, which would classify XRP as a digital asset under the supervision of the Commodity Futures Trading Commission (CFTC) and remove the SEC from being the main regulatory body, aims to complete the commission’s review stage in the second half of April.
Senator Bernie Moreno has publicly stated that if the bill does not reach the full Senate floor by May, the mid-term election powers will push for the remainder of the 2026 plan. This makes the next three weeks the most difficult window of legislation that XRP has faced this year.
Important points:
- Price range: XRP is trading at $1.34 as of April 6, down 63% from its July 2025 peak of $3.65, while the first quarter of 2026 recorded its best quarterly performance in eight years.
- Legal hours: Senate Banking Committee report expected in late April; Senator Moreno warned that failure to move forward by May ends hopes for the 2026 law.
- Ascension Helper: The Banking Commission’s approval could open the door to an expected investment of $4 billion to $8 billion in XRP ETFs, according to Standard Chartered’s Jeffrey Kendrick, with a price target of more than $1.60.
- Access: Falling after May, in connection with Bitcoin breaking the level of $ 60,000, putting XRP at risk of entering $ 0.82, according to the analysis of 24/7 Wall St.
- Review the opportunity: Kalshi put the chances of winning in 2026 at about 69% on March 20; While Polymarket is currently sitting at 63-66%, showing the remaining uncertainty in DeFi food and planning.
What does the CLARITY Act provide? Why is April only a window?
The CLARITY Act (HR 3633) passed the House by a vote of 294-134 on July 17, 2025, charging the CFTC with primary oversight of digital assets while reducing the SEC’s powers over financial institutions that fall under the new system.
The Senate Agriculture Committee advanced its process of the bill on January 29, 2026, but the Committee on Banking Supervision – led by Tim Scott – did not begin to review it, due to the unresolved disputes on financial transactions (DeFi) and the elimination of active financial indicators.
The Senate is due to return from Easter recess on April 13, and Scott’s committee has a window to review it in the last two weeks of the month.
The stablecoin brings back the controversy that plagued previous discussions seems to be moving forward; Senator Tillis and Senator Alsobrooks reached a compromise on March 20 that prohibits negative returns on stablecoin banks but allows rewards from activities linked to payments and platform usage.
Senator Cynthia Lummis confirmed at the Blockchain Summit of the Chamber of Digital Commerce that the proposal for Decentralized Finance (DeFi) has been finalized, awaiting a committee review at the end of April followed by a Senate vote in 2026.
Looking at global estimates, Galaxy Research’s Alex Thorn noted that there are only 18 business weeks left before the October 5 mid-term break, with each week’s delay shortening the project’s consideration period to the point where the 2026 session cannot take place without the approval of the Banking Committee at the end of April.
Although the SEC and CFTC jointly classified XRP as a digital asset on March 17, the designation is an interpretive interpretation rather than a legal one.
Any future administration could change this decision, and banks and large asset managers cannot make large investments based on an administrative decision alone. The CLARITY Act would make property a permanent federal law, and this difference is the main driver behind the move.
The potential for XRP to reach $1.60 or higher when there is regulatory clarity
The entire Ripple (XRP) platform is based on one thing, the law of CLARITY; Because if it passes through the Banking Commission at the end of April, it will be the secret that attracts the real investment of institutions from the side to the bottom, not just talking but actually walking. This is where expectations such as ETFs entering from $ 4 to $ 8 billion begin to be important, especially since we have already seen strong demand even without legal clarity, which can push the price to go beyond $ 1.60 and control the upper levels.
The most important point that many ignore is that it is not only pride in the law, but also determination; Currently, organizations can manage XRP but cannot fully commit. For this reason, even the current management team has not run things in an orderly manner; It supports ideas but doesn’t free up money, whereas a law like CLARITY changes the rules and makes it easier to spend money.
If this acceptance is delayed beyond the month of May, the whole matter will quickly weaken; Because without it, XRP will revert to just following Bitcoin’s movement. With Bitcoin already moving sideways, this means that there is no independent energy flow, and if the financial crisis hits again, the downward spiral will quickly open.
The change in time on the part of Ripple itself is a sign, as expectations are being pushed back, which is often a sign that things in the background are not as good as they appear in the open.
So, everything is now slowing down to look at the end of April window; If the committee moves, interest will increase, but if it doesn’t, the landscape will shift from strategic planning to side trading as the media movement fades.
A note XRP’s future hinges on a historic decision: Will April decide the future of the currency? appeared for the first time Cryptonews Arabic.
