@jakeclaverqfop: The proposed Clarity Act would cap any single entity at 20% of a token's supply, and Ripple's XRP holdings plus escrow reserves put it over that line. If it passes, Ripple gets 12 months to bring concentration down through scheduled distributions, institutional deals, or other allocation paths. What happens to market structure and liquidity when that much XRP redistributes? Educational, not advice. #XRP #Ripple #ClarityAct #cryptoregulation