Pundit: If You Hold XRP, XLM, or HBAR, Don’t Miss This Update

The Senate’s next move on the CLARITY Act could become an important moment for the U.S. digital asset market, particularly for assets that have already received recognition from federal regulators.

Crypto commentator X Finance Bull has highlighted September 15, 2026, as a key date for the legislation and explained why XRP, XLM, and HBAR could be among the assets most affected if the bill advances.

According to X Finance Bull’s tweet, the date marks when the Senate cloture motion on H.R. 3633, the Digital Asset Market Clarity Act, will ripen. The commentator stressed that this would not represent final passage of the legislation. Instead, it would be a procedural vote that could determine whether the Senate moves the bill forward.

September 15 Becomes a Key Date

X Finance Bull cited comments from Patrick Witt, Executive Director of the Presidential Council of Advisors for Digital Assets, who said the political window for passing the legislation is important.

The commentator noted that significant work has already gone into CLARITY and that the gap between Democrats and Republicans has narrowed. However, the November midterm elections could make it more difficult to pass major legislation if Congress does not act before then.

The bill has already made considerable progress. The House passed CLARITY in July 2025 by 294–134, while the Senate Banking Committee advanced its version in May 2026 by 15–9. The reviewed Senate text was later released in July, bringing the legislation to its current stage ahead of a potential floor vote.

Why XRP, XLM and HBAR Stand Out

X Finance Bull placed particular emphasis on XRP, XLM and HBAR because the SEC and CFTC identified all three as examples of digital commodities in March 2026.

The commentator said this changes the regulatory question surrounding the assets. Instead of waiting for Washington to determine their classification, the focus can shift toward establishing rules for the broader financial infrastructure surrounding digital commodities.

X Finance Bull also connected the CLARITY Act to XRP’s regulatory history. The commentator noted that the SEC’s case against Ripple began in 2020, followed by court decisions concerning XRP sales and the eventual dismissal of the appeals in August 2025. The post also referenced Senate language addressing digital-asset transactions covered by certain final federal court judgments.

Financial Institutions Could Gain Clearer Rules

According to X Finance Bull, CLARITY goes beyond simply determining whether particular digital assets qualify as commodities. The legislation addresses areas including digital-commodity exchanges, custody, banking activity, distributed-ledger recordkeeping, tokenized securities, self-custody and regulatory sandboxes.

The commentator placed particular importance on provisions concerning national banks and distributed-ledger technology. The Senate framework would allow national banks to use digital assets or distributed-ledger systems for activities, products and services they are otherwise legally authorized to provide.

X Finance Bull believes this could matter for XRP, XLM and HBAR because each already has institutional infrastructure developing around its respective ecosystem.

For XRP, the post referenced Ripple’s payments, liquidity, RLUSD, custody, tokenization and institutional trading activities. For Stellar, it cited stablecoin activity, real-world assets and U.S. Bank’s recent pilot involving its USBDC stablecoin on the network. For Hedera, the commentator pointed to regulated tokenization, banking applications and institutional activity involving digital assets.

X Finance Bull ultimately presented September 15 as more than another congressional date. The commentator said the vote could indicate whether the United States is moving from classifying digital assets toward establishing a durable market structure for them.