Ripple CEO Brad Garlinghouse said stablecoins could become the crypto industry’s “ChatGPT moment” for businesses seeking faster and more efficient payment solutions, noting that many companies are already exploring how to integrate them into their operations.
Speaking to FOX Business, Garlinghouse explained that executives—from Fortune 500 to Fortune 2000 firms—are increasingly asking their finance teams what role stablecoins should play. He emphasized that giving treasurers and CFOs the ability to use stablecoins is the key “unlock.”
According to Garlinghouse, this shift could serve as a major gateway, allowing businesses to tap into a wider range of blockchain-based services and marking a pivotal adoption moment for the industry.
Bloomberg Intelligence projected in early January that stablecoin flows could grow at an 80% compound annual rate, reaching $56.6 trillion by 2030—potentially cementing stablecoins as a cornerstone of global payments.
Brad Garlinghouse noted that stablecoins processed over $33 trillion in transaction volume last year, with nearly 90% driven by Tether USDt and USD Coin.
Ripple entered the space with its own stablecoin, Ripple USD, launched in December 2024. It has since grown to become the 10th-largest stablecoin by market capitalization, reaching $1.4 billion, according to CoinGecko.
The company also expanded its blockchain payments ecosystem through major acquisitions, including institutional prime brokerage Hidden Road for $1.25 billion and treasury management platform GTreasury for $1 billion. Garlinghouse said Ripple is on track for a “record quarter,” adding that the firm has gained strong momentum following these deals.
Looking ahead, he emphasized that clearer regulation could further accelerate adoption. In particular, he pointed to the proposed CLARITY Act as a potential catalyst if passed into law. Garlinghouse also stressed the importance of a balanced regulatory approach, warning against politically driven policies like those he associates with Gary Gensler.
