XRP is positioned at the center of a much larger shift in how money moves globally, according to analyst Versan Aljarrah, who argues that shift, not the CLARITY Act, is what will eventually restructure the token’s price.
A Migration Already Underway
Aljarrah frames XRP’s opportunity around the early stages of a broader move toward regulated, programmable stablecoins. “That’s again where XRP sits at that exact point where the migration is beginning,” he said. As AI agents increasingly route payments through the most efficient rail available, without regard for market narratives or investor sentiment, he expects settlement demand to shift away from older, fragmented financial infrastructure.
He was careful to frame what that shift does and doesn’t mean for XRP. “The more settlement that is going to happen through XRP, it’s not about replacing the dollar as a reserve, but it’s going to absorb a lot of that demand for settlement,” he said. That absorption, he argued, is what eventually results in a restructuring of the price further down the road.
Positioned Since 18 Cents
Aljarrah said his own portfolio reflects this thesis directly, describing himself as heavily allocated to XRP since entering at 18 cents. He acknowledged the market currently feels quiet, with little visible momentum in either direction.
“Yes, the market feels boring right now. It seems like there’s no sentiment anymore,” he said. “That’s when you should be paying attention really.”
Calling the CLARITY Act “Theater”
Asked directly about the CLARITY Act, Aljarrah didn’t soften his view. “The CLARITY Act is truly theater,” he said, pointing to a pattern he’s observed with major legislation in the past. According to Aljarrah, bills like this are often kept alive just long enough to pass symbolic milestones, generating retail excitement that larger players can then use as a liquidity exit.
Finance Is Moving Onchain With or Without Regulation
Regardless of how the legislative process plays out, Aljarrah argued the underlying shift toward onchain finance doesn’t require anyone’s permission to continue.
“For anyone who’s really paying attention to the evolution of money, it’s undeniable that finances are going onchain,” he said. He pointed to Ripple’s XRP, along with Stellar’s XLM and other networks, as builders actively laying down compliance and infrastructure ahead of regulatory clarity, not in response to it. “They’re not really waiting for permission,” he said. “In many ways, they’re the ones writing the rules for the new financial system.”
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