thecryptobasic.com
An XRP community pundit has issued an important warning to investors who choose to step back from the market in anticipation of the Clarity Act.
For context, as the U.S. Senate continues to work through the Clarity Act, some XRP holders have stepped to the sidelines, choosing to wait for the bill to advance before they buy more or reenter the market.
However, market commentator Zach Rector believes this approach puts investors at risk. In his latest commentary, he urged the community to stay alert and engage in the market instead of passively waiting for lawmakers to act.
XRP Rallied 650% Without Any Law
Rector explained that he originally considered giving his video commentary a title around XRP’s 650% increase. Nonetheless, he decided against that headline because he felt it might overwhelm viewers, even though the number itself comes from publicly available price data.
He pointed out that XRP jumped roughly 600% between its pre-election price and its July 2025 high of $3.66. Market data confirms this claim. Specifically, XRP dropped to a low of $0.49 in early November 2024. However, it surged following the U.S. elections, eventually hitting a peak of $3.66 in July 2025. This marked a 647% increase.
With 2025 coming to a close, Rector said the market now has enough distance to look back at how political events, market sentiment, and timing influenced XRP’s movement over the past year, and what these trends may indicate for 2026 as the Clarity Act approaches.
Rector Warns Investors Not to Tune Out
The pundit warned investors not to tune out while they wait for the bill. According to him, XRP’s previous 600% rally occurred without any new laws in place. Rector suggested that the market will likely make another strong move before the Clarity Act becomes law.
He argued that markets often rally ahead of major announcements and then cool off afterward, and he expects the same pattern here. To him, the market will price in the Clarity Act well before the president signs it, and investors who wait for official confirmation may miss the run-up.
Rector emphasized that this current period presents an entry point for anyone who believes XRP will gain value ahead of the legislation and during the next stage when crypto utility expands, and institutions begin using crypto assets at scale.
He acknowledged that some people expect extremely high price levels, including predictions of $100 per token, but admitted that he does not expect such numbers before the bill passes.
He also said another 600% surge seems unlikely before the Clarity Act moves forward because he believes XRP cannot reach its bigger targets until large institutions receive clear rules for using this technology. Despite this, he expects a noticeable upward move before the Act passes.
Rector also called attention to comments he heard at the Ripple Swell conference. Specifically, banks and other firms told attendees that they have studied XRP and run tests with it, but they cannot expand their usage until they understand the regulatory “rules of the road.”
No Meaningful Development Until Next Year
The pundit then highlighted a report from journalist Eleanor Terrett, who spoke with Senator Mark Warner at MoonPay’s New York office. Warner said the Senate may not complete a crypto market structure markup before the Christmas break because lawmakers still need language from the White House on two major sections of the bill: ethics and quorum.
🚨NEW: At @moonpay’s New York
office today, Senator @MarkWarner told me that getting a crypto market structure markup done before Christmas break will be “very hard” because they are still waiting on White House language for two major pieces of the bill: ethics and quorum.“At… pic.twitter.com/73QFxQQHY4
— Eleanor Terrett (@EleanorTerrett) December 8, 2025
According to Warren, Republicans eventually must decide whether the bill reflects a White House plan or a congressional push. He also said staff from both sides continue to meet for hours every day and that they will finish the bill, but they want to get every part right.
Meanwhile, Rector believes this delay gives investors more time to accumulate XRP at lower prices instead of staying passive. He remains confident that XRP will rally ahead of the Clarity Act, insisting that such a move is closer than many people think.