In a recent interview for CNBC, Ripple’s CEO Brad Garlinghouse explained how the stablecoin section is growing at a faster pace than most would expect. While JPMorgan & many Wall Street giants predict the stablecoin market to a $750 billion market, Brad Garlinghouse expects way more than that.
“When you step back and think about what problem is being solved, making money move the way information moves today is powerful”, – said Ripple’s CEO at this year’s XRP Swell edition. Whether it’s corporate or individual individuals, cross-border payments or peer-to-peer payments, stablecoins for their efficiency & immediate settlement.
XRP On Track To Disrupting Traditional Finance
RLUSD hit a $1 billion market cap just a week ago, signifying a key milestone for Ripple’s native stablecoin in just 10 months into existence. Besides, Ripple’s CEO explained that RLUSD has a unique case in collateral across institutional partners, well positioned to throw down the gauntlet to USDC & USDT, the two most-demanded stablecoins.
Moreover, Ripple’s chief expressed the need for regulatory clarity, praising the Genius Act as a ground-breaking milestone in stablecoin adoption. Declared not a security in the high-profile case versus the United States Securities and Exchange Commission (SEC), XRP coin clenched a new all-time peak months after, positioning itself as the third largest digital asset worldwide.
A great example of XRP’s plausible integration into the traditional ecosystem is the ongoing rail testing on SWIFT. Kicked off this November, the tests are carried out to establish whether XRP can handle the global financial conglomerate’s $155 trillion annualized trading volume, even though SWIFT’s execs publicly stated they’re exploring other options beyond Ripple (XRP).
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The Ripple piece highlights Ripple’s push to dominate traditional finance (TradFi) with its $1.25 billion acquisition of Hidden Road, aiming to integrate XRP and blockchain tech into global banking systems.
Ripple leverages XRP for fast, cheap cross-border payments and its stablecoin RLUSD, using Hidden Road’s brokerage to connect with TradFi institutions like banks and asset managers.
SWIFT, set to fully adopt ISO 20022 by Nov 22, 2025 (just 11 days away), is a rival Ripple aims to outpace, with XRP’s compliance offering a blockchain edge over SWIFT’s legacy messaging.
If Ripple’s traditional finance push succeeds post-SWIFT ISO deadline, XRP could surge as banks adopt it for payments, though competition from XLM and HBAR looms large.
With the SEC lawsuit dropped and partnerships growing, Ripple’s next move is likely deeper integration with SWIFT-compliant banks, aiming to redefine global finance by 2026.
