Expert: For users with XRP, XLM or HBAR, don't miss this update

The Senate's next move on the CLARITY Act could be an important moment for the U.S. digital asset market.

The Senate's next move on the CLARITY Act, or the Digital Asset Markets Clarification Act, could be an important turning point in the U.S. digital asset market, especially for assets that have been approved by federal regulators. Crypto commentator "X Finance Bull" pointed out that September 15, 2026 is a key date for the legislation and explained that if the bill moves forward, XRP, XLM and HBAR could be affected assets.

According to a tweet from "X Finance Bull," the day marks the Senate's decision on H.R. The motion for closure of debate proposed by Bill 3633 (the Digital Asset Market Clarity Act) will mature into effect. Commentators stressed that this does not represent final passage of legislation, but rather a procedural vote that will determine whether the Senate will push the bill to the next stage.

If you own $XRP, stellar:native, hedera-hashgraph:native, or other digital assets originating in the United States, you must not miss this latest update on the CLARITY Act. Washington has just set a clear timetable for the structure of the cryptocurrency market.

September 15 becomes a key date

"X Finance Bull" quoted Patrick Witt, executive director of the President's Digital Assets Advisory Council, as commenting that the time window for passing the legislation is crucial. Commentators point out that a lot of effort has been put into the CLARITY Act and the differences between Democrats and Republicans are narrowing. However, if Congress does not act before the November midterm elections, which could make passing major legislation more difficult.

The bill has made significant progress. The House passed the CLARITY Act with 294 votes to 134 in July 2025, while the Senate Banking Committee passed its version with 15 votes to 9 in May 2026. A review version of the Senate text subsequently released in July brought the legislation to its current stage in preparation for a potential full vote.

Why XRP, XLM, and HBAR stand out

"X Finance Bull" places special emphasis on XRP, XLM, and HBAR because the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) listed these three as examples of digital commodities in March 2026. Commentators say this changes the regulatory issues surrounding these assets. The focus no longer waits for Washington to determine its classification, but shifts to rules for establishing a broader financial infrastructure around digital goods.

"X Finance Bull" also links the CLARITY Act to the regulatory history of XRP. Commentators note that the SEC's lawsuit against Ripple began in 2020, followed by a court decision on the XRP sale and the final dismissal of the appeal in August 2025. The post also referred to the Senate text covering certain digital asset transactions covered by the final federal court decision.

Financial institutions may receive clearer rules

According to the "X Finance Bull", the CLARITY Act is not just about determining whether specific digital assets qualify as commodities. The legislation covers areas such as digital commodity exchanges, custody, banking, distributed ledger record-keeping, tokenized securities, self-custody and regulatory sandboxes.

[@TimesTabloid1- TimesTabloid (@TimesTabloid1) June 15, 2025] Commentators pay special attention to the provisions on National Bank and distributed ledger technology. The Senate framework allows National Bank to use digital assets or distributed ledger systems to carry out activities, products and services it is legally authorized to provide. "X Finance Bull" believes this is important for XRP, XLM and HBAR because institutional infrastructure is developing around each ecosystem.

For XRP, the post mentioned Ripple's payments, liquidity, RLUSD, custody, tokenization and institutional trading activities. For Stellar, it cited stablecoin activity, real-world assets and Bank of America's recent USBDC stablecoin pilot project on its network. For Hedera, commentators pointed to regulated tokenization, banking applications, and institutional activities involving digital assets.

"X Finance Bull" finally presents September 15 as more than just another congressional date. Commentators said the vote could indicate that the United States is moving away from classifying digital assets to building lasting market structures for them.

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