Expert advice: If you own XRP, XLM or HBAR, be sure to do this before September 15

Cryptocurrency commentators pointed out that September 15 may become a key node for XRP, XLM and HBAR. Investors need to understand the CLARITY Act in advance.

Cryptocurrency commentator "X Finance Bull" identified September 15 as a potentially important date for XRP, XLM and HBAR, and urged investors to deeply understand the CLARITY Act before the next procedural test in the Senate. In his tweet, he pointed out the common regulatory positioning of the three digital assets and the growing activity of market institutions around their respective networks.

The Federal Digital Commodity Classification draws attention

"X Finance Bull" said that there are important regulatory links between XRP, XLM, and HBAR, which may be ignored by many investors. According to the content of the post, the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) have listed these three types of assets as examples of "digital commodities" in March 2026.

The commentator emphasized that this distinction is crucial. He believes that regulators are not waiting for these three types of assets to be classified before advancing the CLARITY Act, but have already classified them into the commodity category. At the same time, Congress is enacting legislation aimed at establishing a broader U.S. digital goods market structure.

He cited the House vote of 294 to 134 to pass the CLARITY Act, which included support from 78 Democrats; and the Senate Banking Committee's vote of 15 to 9 to advance its draft legislation. Based on this,"X Finance Bull" determined that 2:15 pm Coordinated Universal Time (EST) will be the next key procedural test node.

If you hold $XRP,$XLM, or $HBAR, you must learn about the CLARITY Act before September 15.

These three have a common important feature that most people ignore.

In March 2026, the SEC and CFTC explicitly listed XRP, XLM, and HBAR as "numbers..." examples

Network institutional activities of XRP, XLM, and HBAR

Subsequently, this post analyzed the financial infrastructure developed around each network:

• For XRP: "X Finance Bull" highlights institutional payments, RLUSD (Ripple Dollar Stable Coin), tokenized assets, custody infrastructure, and the growing lending and mortgage markets associated with XRPL (XRP ledgers). He also mentioned Bank of New York Mellon (BNY)'s participation in RLUSD reserve management, and the collaboration between DBS, Franklin Templeton and Ripple on XRPL on tokenized funds. In addition, he pointed to Aviva Investors 'collaboration with Ripple and pointed out that XRP could serve as an automated bridge between assets when it provides better liquidity.
• For Stellar (XLM):Commentators cited a large number of activity on Stellar's network, including more than $3 billion in physical assets, more than 10.7 million active accounts, and $11.4 billion in stablecoin transfers during the second quarter. He also mentioned Franklin Templeton's BENJI fund launched on the Stellar Network, DTCC's plan involving Stellar, and testing collaboration between Bank of America, PricewaterhouseCoopers (PwC) and the Stellar Development Foundation.
• For Hedera (HBAR):"X Finance Bull" cites more than 100 tokenized assets and more than US$300 million in tokenized value achieved through the Arax platform. He also listed tokenized mortgage activities in which institutions including State Street, Fidelity International, Legal General and Aberdeen, as well as Lloyds Banking Group, participated.

Becoming focus on September 15 and October 27

"X Finance Bull" finally said that the CLARITY Act is expected to provide banks with clearer rules on activities such as payments, lending, custody and transactions because the infrastructure for these three networks is already under construction.

He also pointed out the Ripple Swell Conference on October 27, which will be attended or attended by Canary, DBS Bank, State Street, PricewaterhouseCoopers, Robinhood, Bank of New York Mellon and Aviva.

The post concluded that for XRP, XLM, and HBAR, the importance of September 15 may far exceed current market expectations.

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