TLDR

  • Ripple CEO Brad Garlinghouse characterized stablecoins as the “ChatGPT moment” for corporate cryptocurrency adoption.
  • Stablecoin trading volume surpassed $33 trillion in 2025, primarily driven by Tether and Circle.
  • Bloomberg forecasts stablecoin transaction flows to reach $56.6 trillion by 2030.
  • Ripple’s proprietary stablecoin, RLUSD, launched in December 2024 and currently holds a $1.4 billion market capitalization.
  • Garlinghouse believes the CLARITY Act could accelerate stablecoin and blockchain integration.

(SeaPRwire) –   Ripple CEO Brad Garlinghouse suggests that stablecoins are poised to become the primary gateway for businesses entering the crypto space, drawing a parallel between this shift and ChatGPT’s impact on AI.

Garlinghouse shared these insights during a Friday interview with FOX Business. He noted that executives at Fortune 500 and Fortune 2000 companies are already consulting their CFOs and treasurers about stablecoin strategies.

“Providing treasurers and CFOs with that option is the key,” he stated.

He referred to this development as the “ChatGPT moment of crypto” — a pivotal point where businesses transition from merely discussing blockchain to actively utilizing it.

Stablecoin trading volume exceeded $33 trillion in 2025. While a substantial figure, nearly 90% of this volume originated from just two stablecoins: Tether and Circle’s USDC.

Bloomberg Intelligence anticipates rapid growth in this area, projecting that stablecoin flows could achieve an 80% compound annual growth rate, reaching $56.6 trillion by 2030.

Ripple’s Own Stablecoin Play

Ripple is not merely observing the stablecoin market; it introduced its own coin, Ripple USD (RLUSD), in December 2024.

According to CoinGecko, RLUSD is currently the 10th largest stablecoin by market capitalization, valued at $1.4 billion.

Ripple has also been enhancing its payments infrastructure. The company acquired Hidden Road, an institutional prime brokerage, for $1.25 billion.

Additionally, it purchased the corporate treasury platform GTreasury for $1 billion. Both acquisitions were finalized last year.

Garlinghouse reported that Ripple is on track for a “record quarter” and has experienced significant momentum since the completion of these acquisitions.

Regulation Could Decide the Pace

Garlinghouse highlighted the CLARITY Act as crucial legislation that could accelerate stablecoin adoption across the United States.

He emphasized the importance of clear regulations and expressed concerns regarding previous regulatory approaches under former SEC Chair Gary Gensler.

“We aim to prevent another Gary Gensler situation where policy is weaponized for political gain, rather than for the benefit of the United States,” he asserted.

He added that many industry stakeholders are closely monitoring the future of US regulation and its potential implementation.

Ripple’s RLUSD, with its $1.4 billion market cap, remains a smaller participant compared to Tether and USDC but is still ranked among the top ten stablecoins globally.

Regulation and Market Outlook

The stablecoin sector processed over $33 trillion in volume in 2025, and Bloomberg’s 2030 forecast of $56.6 trillion would position it as one of the most widely used payment instruments in global finance.

Garlinghouse’s remarks coincide with Ripple’s ongoing expansion in institutional payments, following its $2.25 billion in acquisitions last year.

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