Crypto analyst Tim Warren is sounding the alarm.
In arecent video, Warren laid out why banks aren’t waiting for the Clarity Act to pass before accumulating select altcoins. With Polymarket odds on passage climbing from 56% to 71% in a single week and Trump calling out banks on Truth Social for holding the bill “hostage,” – the window is narrowing fast. The Senate Banking Committee is targeting a vote in the second half of March.
Smart money, it seems, is already moving.
Where Is the Money Going?
The thesis is straightforward: regulatory clarity unlocks institutional mandates. And two themes are driving which coins banks are targeting – stablecoin regulation and real-world asset (RWA) tokenization.
Warren points to 8 altcoins sitting in that institutional crosshairs.
The 8 Altcoins on the List
Ethereum ($1,981) and Solana ($84.47) lead as the stablecoin infrastructure plays. Both are foundational layer-1s that benefit directly from stablecoin regulation – ETH sits 60% below its ATH, SOL 71% below. Warren puts the move back to highs at 184% and 332%, respectively.
XRP ($1.37) has already cleared its biggest hurdle, which is winning the case against the SEC. With the Senate draft legislation reportedly classifying it as a “non-ancillary asset” alongside BTC and ETH, XRP is positioned as the cross-border payment rail banks actually want. Some analysts are citing $10-$15 speculative targets.
Chainlink ($8.78) is the infrastructure play that wins regardless of which chain dominates. As Warren put it, Chainlink will be used to bring information “from the web two to the web three world in every situation.” Currently 83% below its ATH of $52.88, with long-term targets of $300-$500 floated for 2030. Warren considers it the most durable hold on the list.
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HBAR ($0.0966) is pitched as potentially the largest RWA beneficiary on the list, with early institutional adoption already underway. It is currently 83% below its all-time high of $0.57. Warren recommends diversifying across both HBAR and Chainlink for RWA exposure.
Canton Network ($0.1529) targets private institutional-ledgers and real-world asset data, with early bank adoption already in motion. It is framed as a longer-term conviction hold.
Uniswap ($3.83) carries one signal above all others: BlackRock has already invested. Around 600% to its 2024 ATH. As Warren noted, “If BlackRock’s buying, pretty convincing that I should be buying it as well.” UNI sits 91% below its ATH of $44.97.
Ondo Finance ($0.25) is the highest-risk, highest-upside entry. Down roughly 88% from its $2.14 ATH, yet over 60% of RWA conversions still run through Ondo.
Check live prices on Coinpedia.
What Crypto Investors Should Know
This isn’t a “buy the bottom” call. The strategy is DCA accumulation over time.
As Warren put it: “Don’t just think about next week or the month after. Think about the next couple of years. That is how truly wealthy people think.”
The Clarity Act vote is coming. The question is whether you’re positioned before or after the crowd figures that out.
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FAQs
The Clarity Act is a proposed U.S. law designed to define how digital assets are regulated, giving clearer rules for banks, investors, and crypto companies.
Clear regulations may allow banks and institutions to invest in crypto more confidently, potentially increasing liquidity and broader adoption.
Rising expectations of the bill have fueled speculation that institutions may begin positioning early in key crypto assets.
The law could pave the way for clearer stablecoin rules, real-world asset tokenization frameworks, and greater institutional participation in crypto markets.
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