XRP Price Prediction: Cardano Founder Says XRP Would Be a Security — Should Investors Be Worried?

Crypto regulation drama is back. And this time, it is XRP in the spotlight again, and it might fuel bearish price predictions.

Cardano founder Charles Hoskinson has publicly criticized Ripple’s support for the Clarity Act, arguing that under the bill’s current wording, XRP would likely have been classified as a security at launch.

Cardano Founder: "I guess we just have to pass a horrific, trash bill that makes all #crypto a security by default."

Charles Hoskinson warns do not pass the CLARITY ACT. pic.twitter.com/xsRKMoRI85

— Altcoin Daily (@AltcoinDaily) March 3, 2026

His broader warning is that the industry may be walking into a regulatory trap where most new tokens automatically start life as securities before potentially transitioning into commodities later.

Hoskinson pointed to XRP’s early structure in 2012, when the network and token distribution were heavily concentrated around its founders.

Under the proposed framework, he claims that the level of centralization at inception could have triggered a securities classification. In his view, that creates a dangerous precedent for future blockchain projects in the United States.

Ripple CEO Brad Garlinghouse has taken the opposite stance. He has consistently argued that regulatory clarity, even if imperfect, is better than ongoing uncertainty. From Ripple’s perspective, establishing defined rules could reduce enforcement by ambiguity and provide a clearer path for innovation.

So what does this mean for investors?

XRP Price Prediction: Should Investors Be Worried?

The debate is largely about how assets are treated at launch, not necessarily how they are viewed today.

XRP has already navigated years of legal scrutiny and partial courtroom clarity in the US. Hoskinson’s comments focus more on hypothetical classification under new legislation rather than an immediate enforcement action.

In the short term, this is more of a narrative and policy debate than a direct threat to XRP’s current market structure.

With all these talks, XRP is still trapped in that descending channel. Nothing structural has flipped yet.

Price keeps printing lower highs along the upper trendline while leaning hard on $1.30 support. That squeeze between falling resistance and horizontal demand is the real battleground.

Right now, $1.30 is carrying everything. It has held multiple times, but repeated taps weaken any level. If XRP breaks $1.30 with momentum, the move likely speeds up toward $1.12, the next serious demand zone.

On the upside, bulls need $1.50 back first. That is the immediate supply cap.

Clear and hold above $1.50, and $1.61 becomes the breakout trigger. A confirmed push through $1.61 would break the channel and shift the chart toward $1.90 and possibly $2.20.

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