The regulator piece: CLARITY Act timing sets the tone
Market expert Sam Daodu ties XRP’s 2027 trajectory to a policy wildcard. In his report, the CLARITY Act is treated as a gatekeeper for how much room XRP can get in regulated finance.
Daodu’s baseline is not a hype-driven breakout. Under the conservative path, the law moves forward. Under the bearish path, it stalls past August’s recess, which matters because it shifts the whole market’s risk appetite.
Three 2027 ranges, built from ETFs and XRPL usage
Daodu lays out three tentative scenarios for where XRP could be heading by 2027. The ranges are meant to reflect different combinations of adoption, capital inflows, and market sentiment.
| Daodu scenario for 2027 | XRP trading range | What needs to happen | Main risk to watch |
|---|---|---|---|
| Conservative | $3 to $5 | CLARITY Act advances. ETF demand for XRP grows steadily, not in bursts. | Market stability must hold long enough for gradual progress |
| Bullish | $7 to $10 | Demand turns decisively in XRP’s favor. ETF inflows accelerate beyond early expectations and reach “several billion dollars.” | Adoption and buying pressure must reinforce each other |
| Downside | Below $1.50, mostly $1 to $1.50 | CLARITY Act stalls past August’s recess. Sentiment stays weak longer than the market can absorb. | Broader pressure on risk assets. Ripple’s monthly supply is steady, so it may not add demand alone |
In the conservative setup, Daodu argues that “unflashy” progress through policy and steady ETF growth could pull XRP back toward earlier peak levels in under two years, without requiring a major sudden breakout.
In the bullish setup, Daodu frames the key question as demand, not infrastructure. He points to Bitwise’s more optimistic take too. Bitwise’s outlook places XRP in the $9 to $10 area, aligning with the idea that 2027 could be when XRP catches up to the value implied by its infrastructure, via capital inflows that reinforce adoption.
The catalyst beyond price targets: banks settling with XRP
Daodu’s report also names an adoption mechanism that goes past generic “more use cases.” He suggests banks may need to start holding and settling in XRP itself, rather than relying only on stablecoins that use the XRP Ledger (XRPL) network.
On the market side, he adds that ETF inflows would likely have to accelerate beyond early expectations and reach a level of “several billion dollars.” In Daodu’s framing, the bullish pathway requires both utility and buying pressure to strengthen together, not one without the other.
Why the downside can arrive even if tech holds up
The bearish scenario shifts focus from technology to psychology and policy. Daodu says the negative path depends less on the XRP Ledger and more on whether sentiment stays weak for longer than the market can absorb.
He flags three pressure sources. First, the CLARITY Act stalling past August’s recess. Second, broader market conditions that keep pressure on risk assets. Third, Ripple’s monthly supply pattern being described as steady, which means it may not deliver fresh demand catalysts if buyers remain cautious.
Daodu expects XRP to spend most of 2027 between $1 and $1.50 in that downside path. He also notes a realistic chance XRP could lose the $1 level if selling intensity continues rather than fading.
The article also points out that sub-$1 levels do not have to wait until 2027. At the time of writing, XRP trades around $1.12, after a drop to $1.05 over the weekend and a recovery from that dip. The key near-term question becomes whether that $1 support level holds.
So what for readers tracking policy and flows
Daodu’s framework boils down to this. XRP’s longer-term outcomes in his scenarios depend on regulatory timing, ETF buying pressure, and whether institutional settlement actually uses XRP, not just XRP-linked rails. If the CLARITY Act slips past August’s recess and sentiment stays soft, the downside path below $1.50 looks less like a surprise and more like a risk the market prices in slowly.