Jin Yùfēng 金裕丰

On January 9, 2026, Ripple submitted a formal letter to the SEC’s Crypto Task Force, outlining its vision for a legally grounded digital asset market structure. This policy push comes as major crypto legislation, specifically the Digital Asset Market Clarity Act of 2025 (CLARITY Act), moves through the U.S. Senate in early 2026.
Key Highlights of Ripple’s Letter
Rejection of "Decentralization" as a Legal Standard: Ripple argued that decentralization is a subjective, fluid continuum that creates "intolerable uncertainty" for legal classification.Focus on Enforceable Rights: The company urged the SEC to adopt a framework based on legal rights and obligations rather than "passive economic interest" or "expectations of profit".Secondary Market Treatment: Ripple maintained that once a primary distribution (like an ICO) is complete, the underlying asset should not be permanently treated as a security in secondary market trades where no privity exists.Objective Definition of Control: The letter suggested the SEC should only exercise jurisdiction if an issuer retains unilateral "control" over network rules or token code, which must be objectively defined.
Regulatory and Legislative Context in 2026
CLARITY Act Status: The CLARITY Act (H.R. 3633) passed the House in July 2025 and is undergoing Senate committee markups as of January 2026. It seeks to classify most mature cryptocurrencies as commodities under CFTC oversight.Ripple’s Legal Standing: Ripple executives recently clarified that while they support the CLARITY Act for industry-wide clarity, XRP already possesses unique legal status as a non-security in the U.S. due to finalized court rulings from 2023 and 2025.SEC Task Force Leadership: The Crypto Task Force, currently led by Commissioner Hester Peirce, is tasked with creating a "sensible regulatory path" that distinguishes securities from non-securities.
"SHARING IS CARING"
XRP TO THE MOON
LET'S MAKE XRP GREAT AGAIN
Disclaimers:Info and knowledge sharing.Not a financial advice.
DO YOUR OWN RESEARCH.(DYOR)
#Ripple #Xrp🔥🔥 #XRPGoal #XRPArmy #XRPCommunity

XRP trades near $2.09 as banks and Ripple leaders outline bold 2026 forecasts tied to ETFs, regulation, and institutional adoption.
XRP traded around $2.09 as of writing, up more than 10% over the last seven days. The move reflects renewed market interest as long-term projections from banks and Ripple leadership circulate ahead of 2026.
Price action has remained volatile, yet attention has shifted toward how institutional signals could shape XRP’s trajectory over the next two years.
Standard Chartered Outlines a $8 XRP Scenario
Standard Chartered has delivered one of the most widely cited forecasts. Geoffrey Kendrick, the bank’s head of digital assets research, estimates XRP could reach $8 by 2026, which implies a gain of roughly 330% from recent levels. Kendrick links the projection to regulatory clarity following Ripple’s legal resolution with the U.S. Securities and Exchange Commission and to the approval of spot XRP exchange-traded funds in the United States.
ETF data supports the institutional narrative. According to SoSoValue, U.S. spot XRP ETFs recorded total net inflows of about $1.14 billion by late December. Kendrick frames these flows as evidence of sustained demand from traditional investors who previously avoided the asset. Market indicators, however, still reflect mixed conditions, as momentum metrics such as MACD signal short-term divergence despite strong inflows.
Brad Garlinghouse Points to Institutional Acceleration
Ripple CEO Brad Garlinghouse has highlighted ETF demand as a defining signal for XRP’s next phase. Speaking at Binance Blockchain Week, Garlinghouse said XRP ETFs raised more than $700 million within weeks of launch. He described the surge as pent-up institutional demand following years of regulatory uncertainty in the U.S.
Garlinghouse emphasized that the policy shift remains underpriced, given the U.S. accounts for roughly 22% of global GDP. He noted that major firms, including Franklin Templeton, BlackRock, and Vanguard, have entered the crypto space after long periods of caution.
He also dismissed concerns around short-term ETF outflows, arguing that crypto’s current share of the global ETF market, estimated at 1–2%, leaves significant room for expansion by 2026.
"SHARING IS CARING"
XRP TO THE MOON
LET'S MAKE XRP GREAT AGAIN
Disclaimers:Info and knowledge sharing.Not a financial advice.
DO YOUR OWN RESEARCH.(DYOR)
#Ripple #Xrp🔥🔥 #XRPGoal #XRPArmy #XRPCommunity
$XRP