The host of a recent crypto market update argues that Ripple is “just getting started” in real-world assets and stablecoins, pointing to a new product launch and a shifting regulatory backdrop that could reshape how digital assets trade in the United States.
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Market observer Wendy O ties Ripple’s latest move to a broader moment: potential U.S. crypto market structure legislation, rising pressure on stablecoins, and a capital rotation temporarily favoring gold and silver over Bitcoin.
Ripple Treasury’s All Out For RWAs, Stablecoins & Programmable Payments
The centerpiece of her analysis is Ripple Treasury, a newly launched treasury platform powered by gTreasury, which Ripple reportedly acquired in 2025 for $1 billion. According to the host, the platform is designed to support stablecoins, tokenized real-world assets (RWAs), and programmable payments, while offering “real-time visibility across cash and digital assets” and AI-driven cash forecasting.
Crypto Wendy frames this as Ripple’s attempt to catch up in a segment where its ecosystem has been “slacking” so far, especially in the U.S. market. For investors tracking institutional adoption, the message is that Ripple is now positioning itself as infrastructure for corporates managing both fiat and on-chain liquidity, rather than just a cross-border payments rail.
Adding to that momentum, a former SEC attorney is said to have sided with Ripple’s view on crypto regulation, specifically the idea that “speculation alone shouldn’t trigger security” designation. That aligns with industry calls for clearer rules distinguishing payment tokens and commodities from securities.
Regulation, Bank Moves & Tether’s New U.S. Stablecoin Shape Market Mood
The host highlights a “brand new version” of U.S. crypto market structure legislation that was introduced ahead of a key meeting scheduled for January 29. Citing Bitwise, Crypto Wendy suggests that if such a framework passes, it could “trigger a bull run” with Bitcoin and crypto following gold’s path as a macro asset.
Gold and silver themselves are described as having broken all-time highs before seeing $1.7 trillion in combined market cap “liquidated” in under 90 minutes. Despite that volatility, the commentator notes their joint market cap is still around $41 trillion versus crypto’s sub-$4 trillion size, implying room for digital assets to grow if some capital rotates back.
Fundstrat’s Tom Lee is mentioned as expecting a crypto “comeback” once the current focus on precious metals cools. At the same time, Senator Kirsten Gillibrand told CNBC that Bitcoin and crypto market structure legislation “will move forward this week,” even as the U.S. faces a potential government shutdown on January 31, adding uncertainty to the timeline.
On the banking side, Crypto Wendy says “60% of top U.S. banks are building bitcoin products” interpreting recent outflows from stablecoins as a negative sign when they represent exits to cash rather than dry powder to re-enter the market.
In that context, Tether’s launch of USAT, described as a federally regulated, dollar-backed stablecoin “made in America” and aligned with the so-called Genius Act guidelines, is flagged as a notable response to growing regulatory scrutiny.
Amid all this, Treasury official Scott Besant is cited as predicting a “non inflationary economic boom” beginning this year — a macro backdrop that, if it materializes, could support risk assets, including crypto.
For crypto investors, the mix of developments points in two directions at once: Ripple ramping up institutional tooling for RWAs and stablecoins, and Washington inching toward a market structure regime that could either unlock or constrain the next phase of growth. Stablecoin behavior, bank product rollouts, and the fate of U.S. legislation may prove as important as any price chart in the months ahead.
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Through Ripple Treasury, which the host says supports stablecoins, tokenized real-world assets, and programmable payments with AI-based cash forecasting.
The video suggests it could provide long-awaited regulatory clarity, potentially sparking a new bull run if institutions gain confidence to scale exposure.
Crypto Wendy argues that when traders move from stablecoins to cash instead of back into crypto, it may signal capital leaving the ecosystem rather than preparing to re-enter.
It is described as a dollar-backed, U.S.-regulated stablecoin designed to meet emerging federal guidelines (referred to as the Genius Act) and respond to policymakers’ demands.
