thecryptobasic.com 
XRP is back at the center of a familiar debate about a “repricing” event that could come from clear regulation or from a crisis that forces the system to change first.
Industry commentator and XRP bull Jake Claver believes the “repricing” event will occur as a result of a crisis. His commentary comes as XRP’s price dips 2.08% over the past day, coinciding with a new delay clause concerning the passage of the Clarity Act.
Key Data Points
- Jake Claver says XRP’s repricing will be triggered by a crisis before the Clarity Act passes.
- He believes markets will react to financial or political stress before lawmakers finalize regulations.
- The Clarity Act faces delays as bipartisan talks continue amid shutdown risks in Congress.
- Critics argue XRP’s four-digit price predictions are unrealistic given supply and market realities.
Claver: XRP Repricing Comes Before the Clarity Act
On Monday, Claver, CEO of Digital Ascension Group, shared a bold view on X, saying his expectation is that XRP will be repriced because of a crisis that occurs before the Clarity Act is passed.
In his view, the market will not wait for lawmakers to complete the regulatory process. Instead, stress in the financial or political system could act as the trigger that forces XRP into a new valuation ahead of any formal legal clarity.
Meanwhile, when asked directly whether the Clarity Act could pass before a potential U.S. government shutdown, Claver responded simply: “Unlikely.”
Unlikely
— Jake Claver, QFOP (@beyond_broke) January 13, 2026
Clarity Act Delayed as Bipartisan Talks Continue
Claver’s comments came as journalist Eleanor Terrett reported a delay in the Senate’s crypto market structure legislation.
According to Terrett, the Senate Agriculture Committee has postponed its markup to the last week of January, citing the need for more time to maintain bipartisan support. Chairman John Boozman said progress has been made, but final details still need work to ensure broad backing.
Terrett later explained that the delay is not necessarily negative. With only 53 Republican senators, the bill still needs Democratic votes to reach the 60-vote threshold required to advance.
Lawmakers are weighing whether a short delay improves the bill’s chances of surviving a full Senate vote.
Not really. The bill needs Democratic votes to pass the full Senate or it’s essentially DOA. With only 53 GOP senators, Senate rules require 60 votes (a 3/5 majority) to reach cloture. Boozman and Booker are likely weighing a higher chance of clearing the Senate against the cost…
— Eleanor Terrett (@EleanorTerrett) January 12, 2026
Shutdown Risk Looms Over Crypto Legislation
Meanwhile, some observers are less optimistic. X users pointed out that if a spending bill fails to pass by the end of the month, the U.S. government could shut down again.
That scenario matters for crypto policy. A shutdown would likely stall the Clarity Act entirely, forcing it to be reintroduced in the next Congress. As one commenter noted, such a pause could effectively “kill” the current version of the bill.
😬 The stakes are high
— It'sMe☀️🪝 (@ArmyAnt21) January 13, 2026
The concern follows historical context. A late-2025 U.S. government shutdown lasted 43 days, becoming the longest in U.S. history. It furloughed hundreds of thousands of federal workers and froze large parts of the government, while only essential services continued operating. This development contributed to delays in the launch of XRP ETFs in 2025.
Crisis Could Matter for XRP
Claver’s thesis fits a popular narrative within the XRP community that real adoption and repricing may come from necessity, not legislation.
They believe that in a crisis scenario, whether tied to government dysfunction, liquidity stress, or payment disruptions, markets may turn to assets and networks that already function at scale.
In that context, XRP’s role in cross-border liquidity could gain attention regardless of whether lawmakers have finalized the rules. At the time of writing, XRP is trading at $2.08, down 13.84% over the past week.
Interestingly, this is not the first time Claver has speculated about a crisis scenario that could push XRP’s price. In a YouTube discussion in March 2025, he argued that a global financial crisis, such as exchange illiquidity or issues with Tether, could drive institutions toward XRP for real-time settlement.
He claimed XRP could surge to between $100 and four-digit prices under such extreme conditions.
He also suggested that a geopolitical shock, rising oil prices, and disruptions such as the Strait of Hormuz could trigger a macroeconomic crisis, prompting central banks to turn to XRP for liquidity.
Reality Check
However, critics have described Claver’s claims as unrealistic, particularly the projection of XRP reaching four-digit prices due to a global crisis.
Even in a financial crisis, institutions and central banks are more likely to rely on established liquidity tools, sovereign currencies, and existing settlement systems rather than a volatile crypto asset.
Additionally, XRP’s large circulating supply makes such extreme price targets speculative and unlikely under real-world market conditions.
