Why XRP Investors Could Be Facing Serious Risks

bitcoinistОпубліковано о 2026-02-17Востаннє оновлено о 2026-02-17

Анотація

Crypto analyst CryptoSensei warns that XRP investors face significant risks due to banks stalling the CLARITY Act, a crypto bill that could greatly benefit XRP and the market. Banks are proposing a ban on stablecoin yields, delaying progress. While a compromise is expected, it may harm retail investors. Ripple CEO Brad Garlinghouse supports the bill despite its flaws, emphasizing the need for regulatory clarity. He predicts the bill has an 80% chance of becoming law by April. XRP price is currently around $1.48.

Crypto pundit CryptoSensei has warned that XRP investors are in danger as the banks continue to hold the CLARITY Act “hostage.” He explained that the passage of the crypto bill could provide a major boost to XRP and the broader crypto market, but warned that banks will likely continue to stall as much as possible.

Why XRP Investors Are At Risk

In an X post, CryptoSensei stated that XRP holders are at risk because the bank is likely to stall the progress of the CLARITY Act as much as possible before it is forced to proceed. The crypto pundit believes the White House will eventually get banks to reach a compromise on the crypto bill, but warned that such a compromise could hurt investors.

Banks are currently proposing a complete ban on the distribution of stablecoin yields to users, a move that is stalling the CLARITY Act’s progress as crypto leaders push back on this proposal. The passage of the crypto bill could be a major positive for XRP, as it stands out as one of the crypto assets most likely to benefit from regulatory clarity.

Crypto Sensei stated that he is not too excited about a potential compromise on the CLARITY Act because retail XRP holders and other crypto holders could end up bearing the consequences. However, the pundit remains confident that if the crypto bill passes with favorable terms for the crypto industry, a market boom is likely.

Crypto Sensei said that he is hopeful but a little discouraged about the way the bank has acted differently. He remarked that the banks could have negotiated these terms during the passage of the GENIUS Act rather than holding the CLARITY Act hostage now.

Ripple CEO Advocates For The CLARITY Act Passage

Ripple CEO Brad Garlinghouse has advocated for the passage of the CLARITY Act despite concerns over the ban on stablecoin yields. He acknowledged that the crypto bill isn’t perfect and that there are aspects he doesn’t like. However, Garlinghouse believes that these imperfections shouldn’t stall progress.

He also mentioned how Ripple has been a big advocate of the CLARITY Act because of the XRP lawsuit against the SEC. He noted that the token gained clarity from the lawsuit after the Judge ruled that the token isn’t a security.

However, Garlinghouse still believes that it is important for the broader crypto market to have clarity since Ripple’s fortunes kind of hinge on how well the industry performs. The Ripple CEO predicts that the crypto bill will be 80% close to getting signed into law by April.

At the time of writing, the XRP price is trading at around $1.48, up in the last 24 hours, according to data from CoinMarketCap.

XRP trading at $1.47 on the 1D chart | Source: XRPUSDT on Tradingview.com

Пов'язані питання

QAccording to CryptoSensei, why are XRP investors facing serious risks?

ABecause banks are likely to stall the progress of the CLARITY Act as much as possible, and any potential compromise on the bill could hurt retail XRP holders.

QWhat specific banking measure is currently stalling the CLARITY Act's progress?

ABanks are proposing a complete ban on the distribution of stablecoin yields to users, which is causing a stalemate as crypto leaders push back.

QWhat is Ripple CEO Brad Garlinghouse's stance on the CLARITY Act despite its imperfections?

AHe advocates for its passage, believing that its imperfections shouldn't stall progress, and he is a big advocate because of the regulatory clarity it could provide for the crypto industry.

QHow did the XRP token gain clarity regarding its legal status?

AIt gained clarity from the XRP lawsuit against the SEC after a Judge ruled that the token is not a security.

QWhat positive outcome does CryptoSensei predict if the crypto bill passes with favorable terms?

AHe remains confident that a market boom is likely for the crypto industry if the bill passes with favorable terms.

Пов'язані матеріали

Crypto Miners' Big AI Gamble: Valuations Enter Differentiation Stage, Comeback Fight Proves Tough

Crypto Mining Firms' AI Bet: Valuation Divergence and a Challenging Transformation Facing declining profitability in crypto mining, mining companies are pivoting to AI infrastructure, capitalizing on their existing power resources, land, and data center expertise to offer GPU compute power. This transition narrative has boosted their stock prices significantly, with firms like Hut 8 and Bitfarms seeing gains over 100% year-to-date, far outpacing Bitcoin. This has led to a market valuation split, with pioneers like CoreWeave reaching a $62.8B market cap, while others remain below $5B. The market currently prioritizes growth potential over short-term profits, which remain under pressure due to heavy capital expenditures for AI build-outs and crypto asset volatility. However, the transformation is a high-stakes gamble. Bitcoin mining profitability is shrinking, with the average production cost around $63,707 and miner margins contracting. While AI offers a more lucrative long-term path, it requires massive investment—estimated at a $500B near-term funding gap. Success now hinges on execution: delivering on contracted power capacity, securing quality tenants like major cloud providers, and managing the immense financial burden. The valuation focus is shifting from mere power capacity to project delivery, future cash flows, and tenant quality, making this a difficult but critical turnaround attempt.

链捕手4 хв тому

Crypto Miners' Big AI Gamble: Valuations Enter Differentiation Stage, Comeback Fight Proves Tough

链捕手4 хв тому

Analysis of the Latest Portfolio Adjustment by the "Top Player" in the U.S. Stock Market: $9 Billion Short on NVIDIA, Shifting Focus to Power and Memory Sectors

AI investor Leopold Aschenbrenner has made a significant portfolio shift, taking a $9 billion nominal short position against top AI infrastructure stocks like NVIDIA, ASML, and Oracle. Simultaneously, he is redirecting capital towards what he sees as the next critical bottlenecks in the AI boom: power, memory, and data center networking, alongside private investments in AI model companies like Anthropic. This move is interpreted not as a call that the AI bubble has burst, but as a rotation within the infrastructure stack. The analysis highlights NVIDIA's recent $25 billion bond issuance as a potential signal, questioning why a cash-rich company would seek external debt despite high profits and increased dividends/buybacks. The core investment thesis is that the initial, crowded "picks and shovels" trade in semiconductors is maturing. The next wave of capital is expected to flow into the physical and logistical constraints of AI expansion: electricity supply, memory chip capacity, data center construction, and enabling technologies like optical networking (fiber) for high-bandwidth communication, where copper remains crucial for short distances. Aschenbrenner's substantial (approx. 20% of fund) private stake in Anthropic is noted as a key part of his strategy—investing directly in the "mine" (AI models) rather than just the "shovels." The discussion concludes that while certain segments may be overvalued, the overarching AI infrastructure demand driven by real product usage remains robust. The most promising long-term investments are seen in essential, non-sexy infrastructure—particularly energy and power companies—whose demand is viewed as a global constant irrespective of AI's cyclicality.

marsbit25 хв тому

Analysis of the Latest Portfolio Adjustment by the "Top Player" in the U.S. Stock Market: $9 Billion Short on NVIDIA, Shifting Focus to Power and Memory Sectors

marsbit25 хв тому

BIT Research: Liquidity is Disappearing, Will Bitcoin Replay the Bottoming Pattern of 2022?

The crypto market is currently in an adjustment phase driven by policy expectations and liquidity shifts. Despite a brief rebound fueled by geopolitical easing and SpaceX's strong IPO performance, unexpectedly hawkish signals from new Fed Chair Kevin Warsh have removed anticipated easing support. Concurrently, stablecoin liquidity is shrinking, with insufficient new capital inflows, pushing the market into a typically quiet summer period. Pricing lacks catalysts for a sustained rally. Daily trading volume has significantly contracted, stablecoin growth has slowed markedly, and the supportive effect of Strategy's (formerly MicroStrategy) STRC preferred stock-financed Bitcoin purchases is fading. Amid policy uncertainty, seasonal weakness, and liquidity contraction, Bitcoin faces near-term downward pressure. Warsh's hawkish pivot and refusal to provide a clear policy outlook have increased risk premiums, historically unfavorable for Bitcoin. Technically, the trend remains bearish below $73,700, with $62,446 as critical support. A break below could accelerate declines, though a prolonged consolidation phase, similar to 2022's bottoming process, is possible. Liquidity is a core constraint. Current daily volume is around $500 billion, roughly 25% of the peak during the July-Oct 2025 rally. The 12-month growth rates for USDT and USDC have fallen to ~20%, with 6-month growth near zero, indicating weak new inflows. Bitcoin ETF and Strategy-driven inflows have also weakened, with a 30-day rolling net outflow. With inflation at 4.2% above the Fed's target, combined hawkish policy, seasonal factors, and liquidity shortages challenge Bitcoin's ability to hold above $60,000. However, this adjustment phase may be forming a cyclical low this summer, potentially setting the stage for the next bull cycle.

marsbit54 хв тому

BIT Research: Liquidity is Disappearing, Will Bitcoin Replay the Bottoming Pattern of 2022?

marsbit54 хв тому

Who Makes the Best Use of Claude Code? The Answer Might Not Be Programmers

Claude Code Usage Report Summary (Based on ~400k sessions) Core Finding: In agentic programming with Claude Code, a clear division of labor has emerged: humans primarily decide *what* to build (planning decisions), while Claude decides *how* to build it (execution decisions). Key Insights: 1. **Effectiveness is not limited to programmers.** In code-generation tasks, success rates for users in non-technical fields (law, finance, management, research) are nearing those of software engineers. What matters most is the user's domain expertise and understanding of the problem to be solved. 2. **Domain expertise drives success and efficiency.** Sessions where users exhibited "expert" proficiency in the task's domain saw verified success rates double compared to "novice" sessions. Experts also delegated more work per instruction, with Claude executing more actions and producing more output. 3. **AI is amplifying, not replacing, domain knowledge.** Claude Code lowers the *implementation* barrier, not the *judgment* barrier. The value of knowing the "what" and "why" is increasing relative to just knowing the "how" to code. 4. **Usage is evolving.** Over a 7-month period (Oct '25 - Apr '26), the share of sessions for debugging halved, while use for software operations, data analysis, and non-code writing roughly doubled. The estimated economic value of typical tasks increased by ~25%. Conclusion: The data suggests coding agents are making programming background less critical for completing technical tasks. However, they reward and amplify deep domain understanding. The ability to successfully direct an AI agent stems more from mastery of a specific field than from coding skill itself. The primary gains come from being competent in a domain; deep specialization adds only marginal additional advantage. This may signal a shift where software creation becomes integrated into various professions.

marsbit1 год тому

Who Makes the Best Use of Claude Code? The Answer Might Not Be Programmers

marsbit1 год тому

Торгівля

Спот
Ф'ючерси
活动图片