وَإِنِ انْقَطَعَ دَمُهَا لِعَشَرَةِ أَيَّامٍ، جَازَ وَطْؤُهَا قَبْلَ الْغُسْلِ.
Meaning: If bleeding ceases at the full ten days, intercourse becomes permitted even before ghusl.
In Hanafi reasoning, ten days is the absolute maximum for hayd, so cessation at that limit is treated differently from earlier cessation regarding intercourse.
Ghusl remains required for prayer; this particular rule concerns intercourse before ghusl, not praying without purification.