According to a banking systems expert known as CharuSan, XRP and XLM are positioned to be among the first major cryptocurrencies to benefit from the anticipated Clarity Act. In a series of statements responding to macro investor Raoul Pal's four-year accumulation outlook, CharuSan argued that the two assets have undergone over a decade of institutional preparation and could see meaningful adoption within 3 to 6 months of the legislation taking effect.
The expert highlighted that XRP, XLM, as well as SOL and HBAR, have spent between 10 and 14 years building infrastructure, improving scalability, and developing enterprise-focused solutions. However, XRP and XLM, both designed for cross-border payments and settlement, have already completed critical testing phases and are uniquely suited for rapid institutional integration once regulatory uncertainty is removed.
CharuSan noted that banks, multinational corporations, and institutional firms have largely been waiting for clear legal guidelines before expanding exposure to digital assets. The Clarity Act, by providing that framework, could unlock significant capital inflows and accelerate deployment of payment-focused blockchain solutions. The expert believes this timeline stands in stark contrast to Pal's suggestion that the market has four more years to accumulate before AI reshapes the economy.
In a separate commentary, market analyst BarriC asserted that most investors will miss the coming XRP rally due to distraction by short-term noise and fear. He described XRP's sub-$2 valuation as a "trap," maintained only because the market hasn't yet witnessed its full utility as a global settlement layer. BarriC projected that if XRP becomes integral to the global financial infrastructure, its price could reach $10,000 to $50,000 per token, stressing that this target reflects long-term utility rather than hype.
