Ripple’s CEO Brad Garlinghouse took to X to reveal the fintech company’s hidden secret recipe to institutional success. The first core principle was “to give Corporates a trusted, regulated entry point embedded in workflows they already use”, referring to the 300+ traditional banking institutions Ripple Labs has scored a partnership with.
Ripple Treasury’s $13 Trillion Success Story Lacks XRP
The second key ingredient in Ripple’s “hot sauce” is the interoperability between fiat & digital assets – something the San Francisco tech behemoth managed to attain with Ripple Treasury last year, but this expansion hasn’t borne fruit in terms of crypto just yet – for a solid reason.
Last week, Brad Garlinghouse drew attention to the fact that over $13 trillion was processed via the Ripple Treasury platform. None of it was in crypto currencies. This federal-grade digital payments platform rose to prominence after Ripple Labs bought GTreasury back in late 2025, which serves as a crypto custodian for many Fortune 500 enterprises.
All-Around Adoption Is Achievable With These Factors
Ripple’s CEO also addressed this unrealized potential for XRP & other digital assets in his tweet: “Ripple Treasury is on a tear – last year facilitating $13T in payments for customers. This year, with the addition of native digital asset capabilities? LFG!”. This enthusiasm from Ripple’s chief comes along with clearer regulations & banks actively testing XRP.
One of the biggest names testing the XRP Ledger’s capabilities on multi-trillion financial rails is SWIFT. The European financial conglomerate has been actively exploring a blockchain ledger addition to the ecosystem garnering $155 trillion per year. On the American front, the Clarity Act is still in fiery negotiations between crypto companies, lawmakers & banks.
Ripple’s own bank ambitions could gain the tech giant a license in the United States as soon as this year, with RLUSD stablecoin serving as the kicker. If the stablecoin-focused Clarity Act gets passed smoothly by mid May, 2026, the legal setbacks could clear sooner than expected. On the other hand, geopolitical tensions, including skyrocketing oil prices, serve a wild card.
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People Also Ask:
In a recent FOX Business interview, Garlinghouse said Ripple Treasury (their corporate payments platform) processed $13 trillion in payments last year — but 0% of it used crypto, stablecoins, or XRP.
Ripple bought a company called GTreasury and turned it into Ripple Treasury. It’s a platform big companies already use to manage their money and payments. Now Ripple wants to gradually move parts of that huge $13 trillion volume onto blockchain using RLUSD (Ripple’s stablecoin) and XRP for faster, cheaper settlement.
$13 trillion is an enormous amount of money. Even if a small percentage (like 5%) switches to XRP or RLUSD, it would create massive real-world usage. Garlinghouse called stablecoins crypto’s “ChatGPT moment” and said XRP is still Ripple’s “North Star.”