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XRP Community Day: Ripple CEO on XRP as the ‘North Star,’ CLARITY Act and Trillion-Dollar Crypto Company

Ripple CEO Brad Garlinghouse used XRP Community Day to position XRP as the central focus of Ripple’s business strategy. Speaking in X spaces, he said XRP and RLUSD remain at the “heartbeat” of Ripple’s work across payments, lending, and custody on the XRPL. His remarks also touched on the CLARITY Act timeline.
Garlinghouse Praises XRP and RLUSD XRP Community Day
Live on X Spaces, Garlinghouse told the XRP community that XRP is the “North Star” for Ripple and drives its broader direction. He said Ripple Payments, Ripple Prime, and Ripple Treasury aim to expand XRP utility, trust, and liquidity.
He explained that Ripple Payments is tied to XRPL activity, including decentralized exchange use cases with permissioned domains. Meanwhile, he said Ripple Prime supports XRP use for collateral and lending, while Ripple Treasury enables payments involving XRP and RLUSD within treasury management systems.
Garlinghouse added that Ripple sees itself as a financial infrastructure platform, not a crypto-first firm. He also said Ripple wants to be “the most regulated and compliant” company in the sector while continuing to push institutional adoption.
He also referenced Ripple’s partnership with Aviva Investors, which he described as one of the world’s largest asset management firms. Garlinghouse said Aviva Investors is tokenizing on the XRP Ledger, and he tied the move to Ripple’s focus on institutional adoption.
Ripple’s $50B Valuation Adds Context to Trillion-Dollar View
Garlinghouse’s XRP Community Day comments came as a separate report placed Ripple among the world’s top IPO candidates. According to CBInsights datacited in the report, Ripple Labs is valued at over $50 billion, ranking ninth globally among potential IPO firms. 
The report also noted Ripple’s valuation reflects enterprise value, not XRP’s market capitalization. It compared Ripple’s position to companies such as SpaceX, OpenAI, Stripe, and ByteDance, while stating that Ripple trails SHEIN.
As speculation about a public listing continues, Ripple President Monica Long has addressed IPO discussions. However, the report said Ripple remains solvent and has no near-term listing plan, with the company focusing more on acquisitions. Garlinghouse said he expects a trillion-dollar crypto company to emerge and added there could be more than one.
Garlinghouse Predicts CLARITY Act Progress as Talks Continue
Ripple CEO also addressed the CLARITY Act during his XRP Community Day remarks, saying he expects the bill to regain momentum soon. He said there is a “75%” chance that by the end of April, it will be “very close to getting signed.”
His remarks followed comments from Ripple Chief Legal Officer Stuart Alderoty, who said discussions at the White House were productive. Alderoty wrote on X that a compromise appears likely, while bipartisan support remains behind crypto market structure legislation.
White House advisor Patrick Witt also commented after the meeting, thanking participants from both the crypto and banking industries. Witt added, “We are going to get this done.”$XRP
{future}(XRPUSDT)

$XRP In the fast‑evolving world of blockchain, some developments defy early skepticism and reshape market expectations. That shift recently unfolded in the XRP ecosystem, as a vocal crypto commentator publicly reversed his stance on a major XRP Ledger upgrade.
What once seemed ill‑fated suddenly emerged as a potential turning point for institutional adoption and real‑world financial integration.
Jungle Inc Crypto News first highlighted this dramatic turnaround, emphasizing how a new institutional‑grade financial infrastructure on the XRP Ledger (XRPL) is gaining traction. The pundit initially dismissed these advancements as impractical. Now, he believes they could catalyze deep engagement from banks, asset managers, and global enterprises.
✨Institutional Lending Protocols on XRPL
A core factor in the sentiment shift is XRPL’s movement toward native institutional lending. The network is introducing a protocol‑level lending system, designed to meet regulatory standards and the credit needs of institutions.
Unlike typical DeFi models that rely on pooled, volatile assets, XRPL’s framework enables fixed‑rate, credit‑oriented lending with off‑chain underwriting. This model aligns closely with traditional finance workflows, making it more appealing to risk‑averse entities.

This lending evolution, anchored in amendments like XLS‑65 and XLS‑66, signifies XRPL’s transition from simple settlement rails to compliant on-house credit markets. Institutional players can now issue loans, allocate collateral, and manage risk directly on-chain.
✨Real‑World Asset Tokenization
In parallel to lending, XRPL has also strengthened its real‑world asset (RWA) tokenization capabilities. Partnerships such as the one with Ondo Finance have brought OU​​SG tokenized U.S. Treasuries to XRPL, accessible 24/7 via RLUSD, Ripple’s enterprise‑grade stablecoin.
These tokenized assets create low‑risk, high‑liquidity instruments that appeal to institutional capital seeking regulated, on-chain investment options.
The success of OUSG — with hundreds of millions in total value locked — underscores the magnitude of XRPL’s institutional appeal. These on-chain treasuries compete with similar products from financial giants and help position XRPL as a multifunctional hub for real‑world finance.
✨Payments and On‑Demand Liquidity
Ripple’s On‑Demand Liquidity (ODL) service continues to validate XRP’s fundamental utility. In 2024, ODL processed over $15 billion in cross‑border payments, a 32 percent year‑over‑year increase. This sustained growth highlights how XRP and RippleNet operate beyond price speculation, rooting demand in real transaction flows.
ODL’s expansion across global corridors reinforces the narrative that utility use cases like payments and settlement form the foundation of XRP’s long‑term value, especially in enterprise contexts where cost, speed, and compliance matter.
✨Stablecoins and Cross‑Chain Integration
RLUSD — Ripple’s dollar‑pegged stablecoin — plays a pivotal role in XRPL’s institutional story. It bridges traditional finance and digital rails by enabling compliant 24/7 minting and redemption of tokenized assets.
Recent developments show RLUSD’s integration across multiple blockchains and strategic partnerships with major financial platforms, increasing XRPL’s liquidity and market reach.
This interoperability amplifies XRPL’s utility, as institutions can move value seamlessly across ecosystems while maintaining regulatory standards.
✨Shifting Narratives: Utility Over Hype
The commentator’s journey from skepticism to endorsement mirrors a larger theme in crypto today: utility outweighs speculative narratives. While XRP ETF inflows have garnered attention, institutional infrastructure and real‑world utility are the pillars likely to sustain enduring growth.
With native lending, tokenization, and compliant financial primitives, XRPL’s evolution signals a maturation that could attract the very capital traditional DeFi has long sought.
By embracing these advancements, XRP holders and market observers may be witnessing a structural shift toward institutional adoption and financial integration that extends far beyond price cycles and short‑term hype.

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