Most Crypto Investors Are Not For This Huge Money Rotation [You're Early]

追加: 2026-05-12

[00:00:00]What if I told you one new crypto law could completely change where billions of dollars flow to next? Right now, regulators are pushing the markets away from passive stable coin yield into an active onchain finance. And if that happens, a few crypto projects could benefit massively. And today we're going to be breaking down the Clarity Act, why stable coin yields really matter, as well as the projects I believe could become some of the biggest winners. A lot of people are completely missing this, and I'm going to tell you exactly what's important in this video and highlight some of the projects that I'm looking at as we get closer to this act passing. So, if you are new to the channel and you want to stay up to date with crypto, the easiest thing to do is go down there, hit that subscribe button, and as you're down there, do me a solid favor, hit that like button so that your neighbor sees this video and understands why the Clarity Act is so bullish for crypto.

[00:01:06]So, first things first, what is the Clarity Act? If you watch this video in its entirety, the next time you hear those words, Clarity Act, you're going to have a much better idea of what it means and why it's so important. In the grand scheme of things, you need to know that the Clarity Act is just bringing clarity to crypto in the US. We're talking about more clear rules on crypto assets, stable coins, DeFi, the digital infrastructure, and of course, as we know, Trump wants to make America the crypto capital of the world. And right now, there are rules that need to pass within this clarity act for them to be able to exactly achieve that goal. Now, some of the big talking points of this Clarity Act include clearer crypto rules, kind of obvious, some clearer definitions on the roles executed by the SEC and the CFDC. This is likely going to bring a ton of institutional volume as this act passes because again, it basically provides clarity for digital currencies and institutional money is waiting for that before they really jump in. some of them have already started.

[00:02:22]We're going to also have likely a ton more support for tokenization and potentially a ton more pressure on stable coins because of how stable coin yield will work. And with that being said, I do believe there are specific projects right now that are sitting on the sidelines and as this act passes, there's going to be a ton of attention on these specific projects because of some of the wording of this act. So before getting into the projects that I believe will benefit from the Clarity Act passing, we need to look at whether or not the Clarity Act will actually pass. One of the reasons why there is a ton of attention on this Clarity Act this week, is because on May 14th, this is this coming Thursday, the Senate is actually going to mark up and vote on this Clarity Act. What we know up to this point is that there's been a big rush from crypto industry leaders to get this act passed so that they can go on and continue building in crypto. Now, the problem is there are banks getting involved and banks don't want to lose their own customers, which is one of the big hurdles that the Clarity Act has had to face over the last few weeks about stable coins and their yield. And what we know now is that they've added language in the Clarity Act that basically prevent exchanges and crypto platforms from paying out yield just by holding a stable coin. What is in the clarity act is that activitybased rewards on stable coins are allowed and idled yield is banned. Now this is a major switch in what we've seen in the last few years with crypto. A lot of platform had marketed themselves as just earning yield by holding stable coins on their platform. So with the Clarity Act, that's going to change. But over the last few days, the banks are scrambling to try and get a better clear understanding of what active yield really is in stable coins. So this is still an ongoing development, but Thursday is going to be one of the days to keep your eyes peeled for more clarity on the Clarity Act. And if we take a look at some of the senators and industry leaders wanting to push this bill through, if we take a look at Senator Lumis, she says, "Let's pass the Clarity Act out of the banking committee on Thursday." We also have Brian Armstrong pushing for the passing of the Clarity Act, saying it is bipartisan and it's winning for the crypto industry.

[00:05:07]And it's important to note that Brian Armstrong is even endorsing the current wording of the Clarity Act despite Coinbase having this as their front page saying earn 3.3% rewards by simply holding USDC on Coinbase. If the Clarity Act passes the way it's currently written, that is no longer going to be the case and Coinbase is going to have to pivot to try and find active ways for people to hold their stable coins, but actively use it in order to earn yield.

[00:05:41]And that is why I believe there's going to be a ton of emphasis on what you do with your stable coins. And in my opinion, that's where some of these projects come in play to essentially allow for those stable coins to be utilized, to be quote unquote active to earn that yield so that people can then earn money on their stable coins. So, with that being said, let's take a look at some of the projects I believe are worth monitoring as we get closer to this Clarity Act. And as we do, we also have a 75% chance of the Clarity Act passing. This is according to Koshi. So basically, prediction markets, people trying to see whether or not this is going to pass. We're going to just have to wait and see if it does pass. But if it does, I think there is a handful of projects you need to put on your watch list right now because of the emphasis of having clearer crypto rules, active stable coin yield, as well as institutional money pouring into the crypto space. So coin number one is not going to be surprising. We can talk about XRP because XRP has itself its own stable coin. It is essentially crossber payment and you can use RLUSD or the XRP ledger to send money from country to country and just recently Mastercard, Ripple as well as JP Morgan have settled a transaction on the XRP ledger in under 5 seconds. Now, the reason why XRP is on this list is not only because it is one of the biggest networks for crossber payments, but it's also because they have their own stable coin. RLUSD is already a stable coin. And if people need to utilize their stable coin to earn yield, well, what better way to utilize RLUSD than by using it on the XRP blockchain. And of course, that would satisfy that active yield to earn yield on this stable coin. Again, I think it's as simple as that. XRP will likely benefit from the Clarity Act getting signed and passed through the Senate and finally signed by Donald Trump. Now, alongside with XRP, I do believe there's going to be a ton of other blockchains that are able to benefit from the Clarity Act passing.

[00:08:16]One of those is likely going to be Stellar or ticker XLM. This one here has a massive network of stable coins already. If we take a look at their website, we have, you know, native USDC, native Euro, we have as well as ZUSD, the Australian dollar, so on and so forth. And I do believe that stable coins that are actually backed by native currencies are going to be one of the ways where active yield is made a little easier because you're going to be able to use that stable coin in so many different DeFi products. XLM, keep your eyes on it. And if we take a step into another blockchain, of course, we can talk about HAR, which again has very similar use cases to XRP and XLM, but HAR definitely more focused on the enterprise side of things. As we can see, some of these companies that make up HAR's council, we have Dell, we have FedEx, we have Google, LG, IBM, so on and so forth, as well as Chain Link, and many more. But this is definitely one of the ways that I see active yield happening from stable coins as transactions are going from enterprises to enterprises. Those three are absolutely no-brainers in my opinion. It doesn't mean that they're going to go crazy when the Clarity Act passes, but over time as money comes into crypto, but I do believe that these networks are going to benefit from clearer crypto rules and are going to attract institutional money within those networks because as we've seen, some of these companies are already doing it without those clear crypto rules thus far. Now, if we take a step a little deeper into DeFi, into asset tokenization, there are tons of projects out there that are going to benefit from Clarity Act. And if we take a look at one of the ones that I believe nobody's really talking about, but has a ton of potential are lending projects. Because if we take a look at a project like Morpho or a project like Ave, some of these lending projects are seeing millions, even billions of dollars funnel through them for lending purposes, borrowing purposes. And you have to realize that most of these assets are actually stable coins. You can lend stable coins to borrow something else, or you can lend a volatile asset to borrow stable coins.

[00:10:49]And as you can imagine, if you lend your stable coin to borrow on it, you are actively participating or actively using that stable coin. And according to the current verbiage of the Clarity Act, that would count as using your stable coin, thus being able to receive yield on it. So lending projects, we have Morpho, which is right now tied with Coinbase hip by hip. And again, as you remember, Coinbase has this earn three and a half percent or 3.35% just by holding USDC. If the Clarity Act passes, this no longer applies. How long it takes to implement is a different story.

[00:11:31]This could be as simple as, well, we're just going to take your USDC and put it on Morpho and you're going to be able to earn yield because then your USDC would be active, thus allowing you to earn yield on it. So, as you can see right now, there are tons of little loopholes like this that make stable coin yield still very possible. And some of these projects could benefit with millions, even billions of dollars funneling through them just to satisfy that criteria. And this is why over the last few days, banks are struggling or freaking out trying to get better wording in this Clarity Act. So, who knows? Maybe it doesn't even pass on Thursday, but hopefully it passes this year. As we know, banks want to keep their customers. They want to keep the money, and their products can't actually compete with crypto because of the different yield opportunities offered in crypto. Now, another realm of projects that are going to do absolutely well in my opinion from the Clarity Act are going to be asset tokenization projects.

[00:12:39]Projects like Ono Finance, right now it's up 70% over the last month.

[00:12:45]Projects like Centrifuge as well, they now have over 1.5 billion in total value locked on their network. But asset tokenization is one of the easiest ways to understand stable coin yield because if you are investing in one of these companies products, your assets are not passive because your assets are actually invested in treasury bills or in private equity or whatever the case may be. And if you take a look at the current asset tokenization on chain, we're looking at a $31 billion market cap and it's going exponential every single month. You can see that growth of asset tokenization is only just accelerating. And I do believe that as Clarity Act passes, we're just going to have a ton more institutional money come into these funds. And some of those funds, as we said, Centrifuge and, you know, Black Rockck as well as Maple, you have a ton of different funds here, which are all essentially stable coins that people are putting into and earning yield on. And that is again another way to satisfy that claw basically to have your stable coins being active. Now, last but not least, think even broader.

[00:14:01]Think of all these decentralized exchanges. what they do, they allow users to provide liquidity to specific pools. And if you're providing liquidity in, you know, pools that are paired with USDC or paired with a stable coin, you are essentially bringing that stable coin into the active state, thus getting rewarded with yield. Again, that would be another way to satisfy that requirement. And of course, as you're providing liquidity on a platform like let's say Aerodrome, which has a ton of catalyst coming up, it's up 40% over the last month or even on the behemoth in unis swap. All of these are actively utilizing stable coins and thus allowed to earn yield on their stable coins. So this in my opinion some of these projects XRP, HAR, XLM, Aerodrome, even as basic as Ethereum are going to see a ton more volume as the Clarity Act passes. Clearer crypto rules is what the industry needs for it to see institutional volume come in at a much faster rate than currently happening.

[00:15:15]Now, of course, there are a ton more projects out there that are likely going to benefit from the Clarity Act passing.

[00:15:21]Think of infrastructure, L1's, L2s, as well as asset tokenization as we've talked about, and of course, some of the top DeFi projects like lending protocols or even decentralized exchanges. Now, evidently, we still need to see what happens on Thursday. if it does pass, if it doesn't pass, if it gets marked up yet again, we're going to have to wait and see. But hopefully in the near future, we do get the Clarity Act passing the Senate and becoming an actual act because if so, I do think crypto is heading in a much bigger adoption wave than currently. It's going to bring a lot more legitimacy to crypto. And when you speak to crypto with someone, they're not necessarily going to think that it's a pure scam.

[00:16:09]So, with that being said, I want to hear what you guys think about the Clarity Act and why it's going to be a big deal in the crypto space. Let me know down in the comments section below. But with that being said, I hope you guys enjoyed the video. Let me know which coins you're watching as the Clarity Act gets ready to get signed into law. But with that being said, I hope you guys enjoyed the video. If you did, smash the like button, subscribe to the channel, check out the link in the description below for the Discord, and I'll catch you guys in my next video. Peace.