Why XRP Is Up Today
Key Points
XRP rose as oil prices retreated and the SEC offered limited relief for tokenized-stock trading.
The SEC move does not directly change XRP's regulatory status.
For XRP investors, legislation directly defining the treatment of digital assets would matter more than this exception.
- 10 stocks we like better than XRP ›
XRP (CRYPTO: XRP) is up 7.2% in the last 24 hours as of 3:01 p.m. ET on Friday, Sept. 18, 2026, after the SEC provided a 5-year exception for "tokenized" stocks and oil prices retreated.
The S&P 500 dropped 0.2%, and the Nasdaq Composite was flat.
Missed AI’s "Act 1"? Act 2 Could Be 15x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our analysts, we’re only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
The SEC supplied a modest regulatory reset
After the Senate failed to advance the CLARITY Act earlier in the week, the SEC announced a five-year exception to trade "tokenized" U.S. stocks -- digital versions of stocks that may eventually be traded 24/7.
XRP stood to benefit from a defined ruleset that the Clarity Act would have provided. This exception doesn't really impact the token directly, but the market took it as a bullish sign that a key regulator was acting in Congress's absence -- even if the exemption is limited in scope.
Oil's retreat eased rate concerns
Brent Crude -- a benchmark for global oil prices -- nearly hit $110 earlier in the week, fueling inflation worries, and helping push U.S. Treasuries higher. When this happens, investors tend to move out of "risk-on" assets like XRP, preferring a nice, safe bond with a solid return.
Image source: Getty Images.
But by Friday, Brent crude had fallen below $104 while long-term Treasury yields were off their recent highs.
Washington can matter for XRP
The key for investors is to watch if there are any signs of progress from Washington that would directly impact XRP, like clear legislative rules classifying digital commodities vs. securities. Still, even if that comes to pass, I have my doubts about XRP long-term.
Should you buy stock in XRP right now?
Before you buy stock in XRP, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $406,141!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,347,745!*
Now, it’s worth noting Stock Advisor’s total average return is 940% — a market-crushing outperformance compared to 211% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors.
*Stock Advisor returns as of September 18, 2026.
Johnny Rice has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends XRP. The Motley Fool has a disclosure policy.
