Ripple CEO Brad Garlinghouse envisions XRP becoming the institutional gold standard for crypto rails within five years, with Ripple expanding from payments into corporate treasury and prime brokerage using XRP as foundational technology.

The roadmap includes real-world asset tokenization and broader use cases across payments, DeFi, and interoperability, aiming to expand retail adoption.

XRP remains central to Ripple’s strategy, with RLUSD complementing XRP; about half of RLUSD issued on the XRP Ledger supports liquidity and volume.

Ripple reported more than $16 trillion in transactions in 2025 and projects a $900 million annualized product revenue run rate by year-end, underscoring ongoing on-chain transaction growth.

CTO emeritus David Schwartz predicts mass retail adoption and envisions blockchain becoming as accessible as the internet for everyday money management, getting paid, investing, lending, and borrowing.

Garlinghouse says XRP is at the heart of everything Ripple does, highlighting the complementary relationship between XRP and RLUSD and reiterating commitment to the XRP ecosystem.