Ripple CEO’s 80% Prediction: Will Congress Finally Get It Right?

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The Plot Thickens

  • Brad Garlinghouse claims the CLARITY Act will finally clarify crypto rules-because nothing says “clarity” like a 20-page document.
  • The bill is stuck because banks and crypto companies are too busy arguing over stablecoin rewards to agree on anything.
  • XRP traders are now hyperventilating, hoping for a price rally so they can pretend they knew this would happen all along.

Imagine this: Ripple’s CEO, Brad Garlinghouse, strolls into a room full of lawmakers and says, “Hey, let’s make crypto less confusing!” The crowd gasps. A single tear rolls down a senator’s face. “Clarity!” he whispers. Meanwhile, XRP traders are pacing like caged tigers, waiting for the market to finally give them a reason to stop checking their phones every 30 seconds.

The CLARITY Act, which aims to explain whether crypto is a security or a commodity, has been delayed because banks and crypto firms are too busy fighting over who gets the most stablecoin rewards. It’s like a dinner party where everyone’s arguing over whose turn it is to open the wine.

Great to be back on with @MariaBartiromo discussing Ripple’s banner year and accelerating momentum as we start 2026.
Already, we are actively seeing Boards and CEOs pushing their CFOs and treasurers to understand how they can leverage and benefit from stablecoins. For…

– Brad Garlinghouse (@bgarlinghouse) February 19, 2026

Garlinghouse insists that “clarity is better than chaos,” a statement that would be more convincing if he hadn’t spent the last decade fighting the SEC in court. The bill is now a political tightrope, balancing on the edge of 2026 midterms, while lawmakers debate whether to let crypto companies reward users with interest or not.

Banks are panicking because if crypto platforms offer better returns, customers might abandon their savings accounts for stablecoins. It’s like if your local diner started serving better pancakes than your grandma’s. Meanwhile, Coinbase CEO Brian Armstrong is so upset about the bill, he’s threatening to walk out of the room. “We’d rather have no bill than a bad bill,” he says. Because nothing says “I care about the market” like refusing to participate in any legislation.

Meanwhile, Treasury Secretary Scott Bessent is warning that if banks lose deposits, they’ll have no money to lend to farmers or real estate developers. It’s a crisis! Or as President Trump puts it, “This bill is gonna be great. Just you wait.”

XRP Repeats the 2017 Fractal? Or Just a Midlife Crisis?

XRP traders are now staring at their screens like they’re watching a soap opera. The token is down 2.05% after failing to break a key resistance level. It’s like a toddler on a sugar rush, bouncing between $1.09 and $1.67, waiting for someone to give it a push. The RSI is at 38.50, which is about as exciting as watching paint dry.

Social media is buzzing with predictions, including one user claiming XRP will hit $400 if it “repeats the 2017 fractal.” Because nothing says “I’ve done my homework” like comparing today’s market to a decade-old chart. Another user says XRP is in an “ascending trend channel since 2017,” which is like saying a toddler’s first steps were part of a long-term plan.

But let’s be real: the chances of XRP hitting $400 are about as high as the odds of Congress passing a bill without a single amendment. Still, traders are clinging to hope like it’s a life raft in a sea of uncertainty. After all, what’s life without a little drama?

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2026-02-19 23:32