Ripple CEO Brad Garlinghouse Highlights $13T XRP Ledger Opportunity

TLDR

• Ripple Treasury processed $13 trillion in payments last year without using crypto assets.
• Brad Garlinghouse said the $13 trillion volume presents a clear opportunity for the XRP Ledger.
• Ripple acquired Ripple Treasury for about $1 billion in October 2025 to expand enterprise services.
• Ripple Treasury has started integrating XRP and RLUSD into its treasury management platform.
• The company launched Digital Asset Accounts and Unified Treasury as native blockchain features.

Ripple has positioned its enterprise treasury arm to route large-scale payments through blockchain infrastructure. The company confirmed that Ripple Treasury processed $13 trillion in payments last year. CEO Brad Garlinghouse said this volume presents a direct opportunity for the XRP Ledger.

Ripple acquired Ripple Treasury, formerly G Treasury, for about $1 billion in October 2025. The firm now integrates digital assets into its regulated liquidity platform for large enterprises. As a result, Ripple links institutional treasury operations with blockchain settlement.

XRP Ledger Gains Institutional Payment Pipeline

Ripple Treasury processed $13 trillion in payments during the last fiscal year. However, none of those transactions used stablecoins or crypto assets. Garlinghouse said, “Last year, G Treasury orchestrated $13 trillion of payments. Zero percent of those were through stablecoins or crypto.”

He added that this gap represents a clear opening for blockchain integration. Ripple Treasury now routes selected institutional flows through the XRP Ledger. Consequently, each processed dollar increases on-chain transaction activity.

The company introduced Digital Asset Accounts and Unified Treasury this week. These tools mark the first native digital asset features within its treasury management system. Ripple built these services directly on the XRP Ledger infrastructure.

Ripple Treasury serves Fortune 500 companies and other global enterprises. It focuses on regulated liquidity management and cross-border settlements. Therefore, the XRP Ledger now supports enterprise-grade treasury functions.

RLUSD and XRP Adoption Expands On-Chain Activity

Ripple Treasury has started using Ripple USD (RLUSD) and XRP for payments. The company aims to reduce friction in institutional transfers. As a result, it integrates stablecoins and native tokens into treasury workflows.

RLUSD currently holds a market capitalization of about $1.4 billion. Ripple issues the stablecoin directly on the XRP Ledger. The firm expects further usage growth as enterprise adoption increases.

XRP serves as the native token for transaction fees and settlement. Institutional routing through Ripple Treasury drives direct ledger activity. Consequently, transaction counts rose in the first quarter of 2026.

Finbold reported strong payment-driven transaction growth during that period. Ripple confirmed that payment flows supported the increase. The company continues expanding digital asset functionality within Ripple Treasury.

Garlinghouse reiterated the company’s objective during a recent interview. He stated that enterprise flows can transition toward blockchain rails. Ripple Treasury had already begun adopting digital assets as of April 3.

The platform now offers unified oversight for fiat and digital balances. It connects treasury operations with blockchain-based settlement tools. Ripple continues rolling out these features to enterprise clients.

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