The CLARITY Act matters for XRP specifically for a few key reasons, based on what we already found:
It would classify XRP as a commodity, not a security
The bill splits crypto into two buckets — SEC-regulated securities and CFTC-regulated commodities. XRP on a decentralized network would likely fall under the CFTC side, which is a much friendlier regulatory environment. This ends years of legal ambiguity that scared off big investors.