Ripple CEO Says Stablecoins Are About to Do What ChatGPT Did for AI

TLDR

• Ripple CEO Brad Garlinghouse called stablecoins the “ChatGPT moment” for business crypto adoption
• Stablecoin trading volume hit over $33 trillion in 2025, led by Tether and Circle
• Bloomberg predicts stablecoin flows will reach $56.6 trillion by 2030
• Ripple’s own stablecoin, RLUSD, launched in December 2024 and sits at a $1.4 billion market cap
• Garlinghouse says the CLARITY Act could speed up stablecoin and blockchain adoption

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Ripple CEO Brad Garlinghouse says stablecoins are about to become the entry point for businesses into crypto — and he’s comparing the shift to what ChatGPT did for AI.

Garlinghouse made the comments in an interview with FOX Business on Friday. He said corporate leaders across Fortune 500 and Fortune 2000 companies are already asking their CFOs and treasurers what they should be doing with stablecoins.

Stablecoin trading volume crossed $33 trillion in 2025. That’s a large number, though nearly 90% of it came from just two coins: Tether and Circle’s USDC.

Bloomberg Intelligence projects that number will grow fast. They predict stablecoin flows could rise at an 80% compounded annual growth rate, reaching $56.6 trillion by 2030.

Ripple’s Own Stablecoin Play

Ripple isn’t just talking about the stablecoin market — it launched its own coin called Ripple USD, or RLUSD, in December 2024.

RLUSD is now the 10th largest stablecoin by market cap, sitting at $1.4 billion according to CoinGecko.

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

It also bought corporate treasury platform GTreasury for $1 billion. Both deals were completed last year.

Garlinghouse said Ripple is on track for a “record quarter” and has been “on a tear” since those acquisitions closed.

Regulation Could Decide the Pace

Garlinghouse pointed to the CLARITY Act as a key piece of legislation that could speed up stablecoin adoption across the US.

He said clear rules matter, and referenced concerns about past regulatory approaches under former SEC Chair Gary Gensler.

He added that a lot of eyes in the industry are watching what US regulation will look like and whether it will get done.

Ripple’s RLUSD currently holds a $1.4 billion market cap, making it a smaller player compared to Tether and USDC but still among the top ten stablecoins globally.

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Regulation and Market Outlook

The stablecoin sector processed more than $33 trillion in volume in 2025, and Bloomberg’s 2030 projection of $56.6 trillion would make it one of the most used payment tools in global finance.

Garlinghouse’s comments come as Ripple continues to expand its footprint in institutional payments following its $2.25 billion in acquisitions last year.

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