XRP, 기관 투자 유입에도 1.08달러대 횡보…CLARITY Act가 변수 – TokenPost – 토큰포스트

XRP is trading around $1.08 as of July 18, 2026, remaining in a sideways trend despite increased institutional interest and the inclusion of the asset in T. Rowe Price’s multi-token ETF, according to reporting from TokenPost.

The asset’s price stability comes amid a period of high institutional adoption. T. Rowe Price has integrated XRP into its multi-token Exchange Traded Fund (ETF), a move that typically signals a shift toward mainstream financial acceptance for digital assets. However, this institutional inflow has not yet triggered a significant price breakout, leaving the token to oscillate near the $1.08 mark.

Impact of the CLARITY Act on XRP Market Volatility

Market analysts and traders are currently focusing on the CLARITY Act as the primary variable for XRP’s next price movement, TokenPost reports. The proposed legislation in the U.S. Congress aims to provide a clear regulatory framework for digital assets, which would resolve long-standing ambiguities regarding whether specific cryptocurrencies are classified as securities or commodities.

For XRP, the stakes of the CLARITY Act are particularly high due to the asset’s history of litigation with the U.S. Securities and Exchange Commission (SEC). A legislative victory that defines digital assets more broadly as commodities could remove the regulatory overhang that has historically suppressed XRP’s valuation compared to other large-cap tokens.

T. Rowe Price and Institutional Adoption Trends

The decision by T. Rowe Price to include XRP in a multi-token ETF represents a shift in how traditional asset managers view the token’s utility. Unlike single-asset ETFs, a multi-token product allows institutional investors to gain exposure to a basket of digital assets, reducing the risk associated with any single project while providing a gateway for diversified portfolios.

This inclusion suggests that institutional confidence in the underlying technology of the XRP Ledger—specifically its use in cross-border payments—remains strong, even while the market price remains stagnant. The disconnect between institutional accumulation and price action often occurs when large entities buy in gradual increments to avoid spiking the market.

Regulatory Context and Market Sentiment

The current sideways movement at $1.08 reflects a market in a state of equilibrium between two opposing forces: the bullish momentum of institutional adoption and the cautious anticipation of U.S. legislative outcomes. According to TokenPost, the market is effectively waiting for a catalyst from the U.S. Congress to break the current trend.

If the CLARITY Act passes with language favorable to digital asset issuers, it could trigger a wave of new institutional products similar to the T. Rowe Price ETF. Conversely, a failure to reach a legislative consensus or the introduction of more restrictive oversight could extend the period of price stagnation or lead to a correction.

The intersection of these factors—ETF inclusion and the CLARITY Act—places XRP in a position where its fundamental utility is recognized by the financial industry, but its market value remains tethered to the legal definitions provided by the U.S. government.