Crypto pundit Finance Bull has advised XRP investors against selling their holdings now despite the market downturn. This came as the pundit explained that the CLARITY Act could pass next year, which he predicts will positively impact the altcoin’s adoption. 

Why XRP Investors Should Think Again About Selling Their Coins

In an X post, Finance Bull told XRP investors to think again if they are considering selling their coins right now. He reminded them that Ripple CEO Brad Garlinghouse confirmed that the CLARITY Act is expected in early 2026, which the pundit indicated will benefit the token when that happens. 

Finance Bull explained that when the CLARITY Act passes, Ripple will be forced to declare the fate of its XRP in escrow, and that when that happens, the company won’t sell its holdings. Instead, he predicts that they will pre-allocate it to bank corridors, sovereign rails, liquidity hubs powering cross-border settlement, institutional infrastructure, and countries integrating next-generation payment rails. 

Finance Bull further remarked that this flips the entire conversation, as what looks like overhead supply is already reserved, meaning that XRP won’t face a sell-off as some investors may fear. He added that the real move is locked liquidity flowing into banks, FX routes, and custody frameworks, which would boost the altcoin’s adoption. 

The pundit stated that this isn’t about market-making but about monetary wiring and that once Ripple releases its official escrow roadmap, the re-pricing will be instant, irreversible, and demand-driven. 

Interestingly, Finance Bull claimed that BlackRock will be one of the institutions that will adopt the altcoin when there is regulatory clarity through the CLARITY Act. Notably, BlackRock is one of the crypto ETF issuers that has yet to file for a spot XRP ETF, but the pundit has suggested that could change soon. 

Ripple Secures Another Institutional Partnership

In a press release, Ripple announced a strategic partnership with TJM Investments, providing a boost for XRP’s adoption. The crypto firm stated that under the terms of the partnership, it has invested in THM and will continue to provide best-in-class infrastructure to support TJM’s execution and clearing services. 

This builds on the existing relationship between Ripple’s multi-asset prime brokerage platform, Ripple Prime, and TJM. Ripple stated that the expanded partnership will enable TJM offer its clients improved capital and collateral efficiency as well as enhanced clearing stability and balance-sheet support. 

This development comes as Ripple continues to explore ways to enhance the utility of RLUSD and XRP. The firm recently announced plans. The firm recently announced plans to begin testing RLUSD on Base, Optimism, Unichain, and Ink. 

At the time of writing, the altcoin price is trading at around $1.80, down almost 4% in the last 24 hours, according to data from CoinMarketCap.

The narrative surrounding XRP, the digital asset native to the XRP Ledger, has shifted from a speculative cryptocurrency to a recognized digital asset within the global financial system. This shift reflects growing legal clarity and rising interest from financial institutions seeking compliant blockchain-based solutions for payments, liquidity, and settlement. 

How Institutional Interest In XRP Continues To Build

As XRP gains recognition in regulated financial markets, it’s moving beyond its earlier perception as a speculative digital asset. An analyst known as Skipper_xrp has mentioned on X that this milestone has placed XRP in the conversation alongside traditional assets that institutions already trust. With recent developments from the US Commodity Futures Trading Commission (CFTC) and rising institutional interest, investors are wondering whether XRP’s growing credibility could be the catalyst for the next major price movement.

Meanwhile, tokenization is no longer a theoretical concept; it’s now a tangible reality. The ability to unlock trillions of dollars in real-world assets through blockchain is transforming how the markets will operate. On this front, the REAL token on the XRP Ledger isn’t just participating, it’s leading the change, and opening doors to an unprecedented global market.

Ripple recently made the single biggest unlock for XRP since the case against the US SEC, and it has nothing to do with a court ruling. X Finance Bull has provided insight into the CLARITY Act, which legally defines digital commodities under CFTC oversight, eliminating guesswork and excuses from institutions. The real barrier to mass XRP adoption wasn’t tech or liquidity, but a legal risk, and that wall just cracked wide open.

Currently, banks can use XRP rails, brokers can move in flow, and corporate treasuries can hold XRP on their books without stepping into uncertainty. This isn’t future potential; it’s the regulatory permission that is required before deploying serious capital.

Many tokens don’t fit the mold, but XRP already operates on payment-grade, bank-ready infrastructure designed for real-world settlement, and first in line for real volume. “When institutions get the green light, the token with roads already built will lead,” Xfinancebull noted.

A New Gateway Between Asian Markets And Ripple Labs

Technical analyst, ChartNerd, revealed that VivoPower International PLC has quietly transformed a standard joint venture agreement into a strategic expansion vehicle with asymmetric exposure. Instead of deploying heavy capital, the structure creates a bridge between Seoul’s institutional crypto markets and Ripple Labs’ private equity, which is aligning with access rather than ownership.

ChartNerd stated that the play is targeting $300 million in Ripple Lab shares. Furthermore, VivoPower has a capital-light model that delivers substantial upside while minimizing corporate risk.

The price of XRP may be declining as volatility extends, but a lot of the leading altcoin has been observed leaving cryptocurrency exchanges at a rapid rate. With the token heavily leaving exchanges during the bearish phase, this raises the possibility of an anticipated supply shock.

Is An XRP Supply Shock Incoming?

As XRP battles with bearish movements, its presence on centralized exchanges is subtly shrinking, which is starting to attract notable attention in the market. A report from Ripple Bull Winkle, a market expert and the founder of Lux Lions NFT, shows that the token has been consistently leaving crypto exchanges, even with fading price momentum.

This decline in supply on exchanges signals that investors may be transferring their coins into long-term storage or self-custody rather than making them easily accessible for trading. While these investors maintain the trend, it is often considered a strategic move in order to position themselves for potential upward spikes in price.

In the post on the X platform, Ripple Bull Winkle highlighted that the supply of XRP on exchanges is now totaled at 4 billion. Despite the massive coins still available on crypto exchanges, the figure only represents nearly 8% of the total supply circulating in the market.

As the altcoin exchange supply shrinks, the trend is sparking fresh debate about its possible implications for price behavior in the upcoming weeks. In the past, it has frequently preceded times of decreased sell pressure, shifting liquidity dynamics, and increased demand sensitivity.

Ripple Bull Winkle noted that the majority of the supply on exchanges is not for sale liquidity. Such thin float with growing institutional demand is likely to lead to explosive conditions, allowing XRP to kick off another sharp rally. According to the expert, this trend could be a sign of a supply shock because they do not show warnings; instead, they just detonate.

Taking a look at another post, Ripple Bull Winkle revealed a massive withdrawal from crypto exchanges, indicating rising conviction and reducing sell-offs. During the weekend, over 30 million XRP were withdrawn from exchanges, which was carried out in a single day.

The expert claims that this is how supply shocks are kicked off quietly, and the price does not move first. “Liquidity disappears first. Most people won’t notice until sellers are gone,” the expert added.

ETFs Market Is Thriving

XRP continues to experience significant demand both from retail and institutional investors via its Spot Exchange-Traded Funds. X Finance Bull highlighted that the funds are the only ETFs without any daily outflows over the last 30 days.

Currently, the funds hold the line with $1.34 billion and 669 million XRP locked. While others rotate their capital, institutions are building up on the token with conviction. According to the expert, institutional investors understand that the token is shaping up to be the liquidity layer for global finance, but retailers fail to. Meanwhile, this is how smart money moves prior to a paradigm shift.