What to Know:
- Ripple CEO says a trillion-dollar crypto company will emerge and Ripple could reach that level if it executes well.
- Ripple is currently valued around $40B and would need over 20× growth to hit a $1T valuation.
- Growth drivers include XRP payments, tokenization, stablecoin expansion and possible IPO plans.
Ripple CEO Brad Garlinghouse believes a trillion-dollar crypto company will emerge and he says Ripple has a real chance to be that company if it continues to execute well with partners and expands its ecosystem. Speaking during XRP Community Day, Garlinghouse said Ripple’s “reason for existence” is to drive success around XRP and the broader XRP ecosystem.
XRP Remains Ripple’s Core Focus
Garlinghouse made it clear that XRP is still Ripple’s “north star.” Even though Ripple has expanded into new areas like treasury software, stablecoins and institutional services, XRP remains central to the company’s long-term direction. Ripple continues to build tools and services around the XRP and the XRP Ledger network, especially in cross-border payments and asset transfers. The company’s strategy is to grow real usage instead of depending only on token price movement.
Ripple is still a private company. After a $500 million funding round in late 2025 led by major investment firms, Ripple was valued at about $40 billion. That places it among the top global IPO candidates, according to market research firms. To reach a $1 trillion valuation, Ripple would need to grow more than 20 times from current levels. That is a very large jump and would require strong revenue growth, wider adoption and continued investor confidence.
Enterprise Growth and Acquisitions
One major part of Ripple’s growth plan is expansion through acquisitions. In 2025 alone, Ripple invested around $4 billion buying and investing in companies. Some of the biggest deals include Hidden Road for $1.25 billion and GTreasury for $1 billion. Ripple plans to connect these businesses into its XRP-based payment and liquidity network starting in 2026.
Cross-border payments are a key opportunity. Traditional global payment networks are estimated to process around $150 trillion per year. Even capturing 1% of that flow would mean $1.5 trillion moving through Ripple’s systems annually. Ripple reported about $1.3 trillion in On-Demand Liquidity payment volume in 2025.
Another big opportunity is tokenization, industry estimates suggest tokenized assets could reach $16 trillion by 2030. The XRP Ledger already supports asset tokenization and sidechains that allow more advanced finance apps to run. Some large financial firms have already tested tokenized products using this network. If Ripple captures even a small share of this market, transaction activity and network usage could rise sharply.
IPO and Stablecoin Growth
A future public listing could also help Ripple move toward higher valuations. Some analysts believe an IPO above $50 billion is possible if market conditions are strong. Ripple’s U.S. dollar stablecoin, RLUSD, has already crossed $1 billion in market value. Growth in stablecoin payments and corporate treasury tools could create more steady income streams for the company.
Clearer crypto rules in the US could be another major driver. Proposed laws aimed at defining digital asset rules may give banks and financial companies more confidence to use Ripple’s infrastructure. Ripple’s long-running strategy has focused on partnerships with banks and payment providers. More legal clarity could speed up adoption.
XRP Price Action
In the past 24 hours, XRP is up 1.82% to $1.39, slightly ahead of the broader crypto market’s 1.12% rise. The move appears mostly tied to general market strength alongside Bitcoin rather than Ripple specific news. Trading volume has increased about 15%, suggesting some buyers stepped in after oversold conditions. If XRP holds near the $1.36 support level, traders are watching for a possible move toward $1.50. A drop below that level could send the price back toward earlier lows near $1.13.
A $1 trillion valuation is not a near-term prediction but a long-term ambition. Ripple shows real activity, large acquisitions, trillion-dollar payment flows and growing product lines, but the gap from $40 billion to $1 trillion remains huge. Reaching that level would require years of strong execution, real financial usage, and global adoption. For now, it remains a bold target, but one Ripple’s leadership clearly believes is possible.
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