The three major signals of XRP are turning stronger simultaneously, can the CLARITY Act replicate the big surge in 2024?
Abstract: Recently, XRP has shown signs of simultaneous improvement in technical indicators, institutional investment, and on-chain liquidity. Data shows that XRP has risen about 32% from the third quarter of 2026 to now, becoming one of the stronger performing large-cap crypto assets recently. Meanwhile, the spot ETF has accumulated a net inflow of over $215 million in Q3, and the total market value of XRPL stablecoins has also increased by over 2% this week, with the supply of RLUSD rising to approximately $2.442 billion, hitting a historical high. As the voting on the CLARITY Act approaches, regulatory expectations may become an important catalyst for driving XRP into the next phase of market action. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
XRP is re-entering institutional view
Since the third quarter of this year, XRP's performance has started to improve significantly
Data shows that XRP has currently accumulated an increase of approximately 32% in Q3, marking one of the strongest quarters since the fourth quarter of 2024
The change in the regulatory environment post-2024 U.S. elections once propelled XRP to rise by over 240% in the subsequent market surge
This is also why the market is now re-discussing the question of whether "the 2024 market can be replicated"
Of course, the macro environment during the two market movements is not entirely the same
But one obvious change is
XRP now has more mature institutional participation channels than in 2024, including spot ETFs and continually expanding on-chain liquidity
This means that if regulatory expectations improve further, funds may find it easier to enter the XRP market than in the past. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
XRP ETF funds are showing significant changes
One of the most noteworthy signals right now is the fund flow into XRP spot ETFs
Data shows that XRP spot ETFs have accumulated over $215 million in net inflow from the third quarter of 2026 to now, after recording over $270 million in net inflow in the second quarter
More significantly, there has been a noticeable differentiation in fund flows recently
In the past week, XRP spot ETFs recorded about $18 million in net inflow, while Bitcoin saw approximately $400 million in outflow during the same period
This difference in fund flow is worth the market's attention
Because it may indicate that some institutional funds are reallocating from large assets like BTC to some high-elasticity mainstream altcoins
If this trend continues, then XRP’s rise will no longer be driven solely by retail sentiment
And could gradually form a market driven by institutional participation. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
XRPL liquidity is also rapidly increasing
In addition to ETFs, another important change is occurring within the XRP ecosystem itself
According to DeFiLlama data, the total market value of stablecoins on XRPL has increased by over 2% this week, indicating that the network has added over $22 million in liquidity
Of this, over 91% of the new liquidity comes from RLUSD
The current supply of RLUSD has reached about $2.442 billion, hitting a new historical high
This means that the XRPL ecosystem is accumulating more funds that can be used for on-chain trading, DeFi, and financial applications
For a public chain,
liquidity is often more important than simply an increase in coin price
Because only with enough funds on-chain can financial applications truly scale
This is why the growth in RLUSD supply is seen by the market as an important part of the institutional narrative surrounding XRP. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
Why is the CLARITY Act so critical?
The greatest significance of the CLARITY Act now is not simply to determine whether a coin is legal
But it could further enhance regulatory certainty in the U.S. digital asset market
For traditional financial institutions,
the biggest obstacle is often not the technology
but rather the ambiguity of the rules
If institutions cannot determine which regulatory agency is responsible for a particular digital asset, or what rules different businesses need to comply with, then even if the market opportunity is great, institutions may choose to wait and observe
If the CLARITY Act can further clarify the regulatory framework of the digital asset market
The barriers for traditional financial institutions to participate in on-chain financial activities may decrease
This is especially important for XRP
Because XRPL itself is developing toward payments, stablecoins, and financial infrastructure
Once the regulatory environment becomes clearer, the willingness of institutions to use XRPL and related assets may increase further. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
XRP may become an important entry point for TradFi into DeFi
This is also the most noteworthy aspect of this article
The story of XRP is changing
In the past, the market focused more on XRP's price and Ripple's regulatory disputes
But now the market is beginning to pay attention to three other variables
Institutional funds
XRPL liquidity
And the U.S. regulatory framework
If all three of these grow simultaneously, then XRP’s market positioning could gradually shift from being merely a mainstream altcoin to becoming a connective layer between traditional finance and blockchain
Especially after the continuous growth of RLUSD supply
The liquidity of stablecoins on XRPL has begun to possess stronger imaginative space for financial applications
If in the future institutions really start to migrate more financial activities on-chain, then networks with mature liquidity and payment infrastructure may gain a more significant advantage. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
Can the market of 2024 really be replicated?
From a historical performance perspective, XRP has indeed proven to be very sensitive to changes in the regulatory environment
In the fourth quarter of 2024, after the market became more optimistic about U.S. crypto policy, XRP experienced a huge increase of over 240%
And now, the market is once again facing significant regulatory milestones
Thus, the question of whether "the 2024-style market will repeat" naturally becomes a point of concern for investors
But it's important to note that
history does not simply repeat itself
Currently, XRP's market capitalization is higher, the market size is larger, and ETF, institutional funds, and macro liquidity will all affect the final trend
So a more reasonable judgment is not "if the CLARITY Act is passed, XRP will definitely replicate the 2024 increase"
But rather
If regulatory improvements continue, ETF funds keep flowing in, and XRPL liquidity continues to grow, then the foundation for a new round of institutional-driven market activity in XRP is gradually being established. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
Crypto Lemon's perspective
The current market structure of XRP is indeed showing some significant positive changes
Q3 saw an increase of about 32%
Spot ETFs continue to receive fund inflows
XRPL stablecoin liquidity continues to increase
As RLUSD supply surpasses $2.4 billion
Coupled with the impending key moment for the CLARITY Act
Several factors are pointing in the same direction
Institutional funds may be refocusing on XRP and the entire XRPL ecosystem
If the CLARITY Act can proceed smoothly, then the decrease in regulatory uncertainty may further enhance the willingness of institutions to participate
In this case, XRP may become one of the important beneficiary assets after the U.S. digital asset regulations become clearer
However, it is important to note that the CLARITY Act still carries political and procedural uncertainties, so it is more appropriate to view it as a potential catalyst rather than a signal of certainty for rising prices
What is truly worth observing is
whether ETF funds can continue to flow in
whether RLUSD supply can continue to grow
and whether XRP can convert the recent fund inflow into sustained price momentum
If all three conditions are met, then XRP experiencing a strong market trend similar to that of 2024 is indeed worth serious attention from the market
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Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
Conclusion
XRP is currently forming a relatively rare combination of multiple positive factors
Price performance is improving, with a cumulative rise of about 32% in Q3
Institutional funds continue to flow in, with spot ETFs recording over $215 million in net inflow in Q3
Meanwhile, XRPL stablecoin liquidity continues to grow, and RLUSD supply has risen to approximately $2.442 billion, a historical high
The CLARITY Act may become an important policy catalyst for the next phase
If the regulatory framework becomes clearer, institutional funds continue to flow in, and the XRPL ecosystem maintains its expansion, then XRP indeed has the foundation to re-enter a strong cycle
But the 240% increase in 2024 should not be simply replicated in the future
The market ultimately needs cooperation from funds, liquidity, and regulation
Thus, the CLARITY Act is just the first catalyst
What truly decides whether XRP can break out into the next round of major market activity is still whether institutional funds will continue and whether XRPL can truly accommodate more on-chain financial activities. Follow the official account "Crypto Lemon" for daily market analysis, news updates, and practical insights.
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