What the CLARITY Act Could Mean for XRP Bank Payments

Banking systems engineer CharuSan has linked the CLARITY Act to a wider case for $XRP’s possible use in global bank payments. His argument says regulatory clarity, payment infrastructure, and liquidity depth could shape $XRP’s role at an institutional scale.

CharuSan said many $XRP forecasts assume Ripple must sign separate agreements with thousands of banks. He argued that this view does not reflect how financial software could be deployed through large infrastructure providers.

CLARITY Act Ties $XRP Utility to Banking Infrastructure

Ripple already works with major infrastructure providers, including Volante, ACI Worldwide, and Finastra. These firms support banks through centralized systems rather than isolated, one-bank setups. A provider-level update, he said, could make $XRP liquidity available to many connected institutions.

CharuSan wrote that Ripple does not need individual contracts with 13,000 banks. Once $XRP liquidity is enabled through a central cloud system, connected banks could become capable of using it.

However, in an X post, CharuSan said the law must first be enacted before $XRP could gain commodity status. He said $XRP at $10 to $20 would not provide enough depth for the scale of global cross-border payments. Large interbank transfers need enough liquidity to settle quickly and at low cost.

$XRP $300 Projection Hinges on ODL Liquidity Depth

According to his argument, weak liquidity could create slippage during high-value transfers. It could also cause bottlenecks if payment demand grows faster than available market depth.

For that reason, CharuSan said $XRP’s settlement capacity should not be calculated from the total circulating supply. The focus, in his view, should be on the amount available for on-demand liquidity.

Based on that model, he claimed $XRP would need to trade above $300 to support trillions of dollars in payment volume. He described the level as a technical requirement under his framework, not a simple speculative target.

RLUSD was also included in his comparison. CharuSan said a 1.5 billion supply would be small when measured against trillions in possible transfer demand.

However, a further condition involved SWIFT. He said a future Ripple agreement with SWIFT could push $XRP beyond his stated level.

Overall, his argument places the CLARITY Act as a possible regulatory step before wider institutional use. The $300 $XRP claim remains his projection and depends on several unconfirmed conditions.