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Ripple CEO Brad Garlinghouse says stablecoins have reached their “ChatGPT second”, the place company America all of the sudden will get it.
Talking yesterday on Mornings with Maria, he described boards, CEOs, and CFOs at Fortune 500 and Fortune 2000 firms now asking the identical query: “What are we doing with stablecoins? May we be utilizing them?”
The surge in curiosity is now not theoretical. Ripple’s Hidden Highway, the prime-brokerage agency the corporate acquired final yr, processed $13 trillion in funds in 2025. Not a single greenback moved by means of stablecoins or any crypto rail. “That’s the chance,” Garlinghouse stated, signaling banks are getting ready to go all-in.
The comment comes as Ripple doubles down on infrastructure to seize that shift. In its third main deal this yr, the corporate paid $1 billion for GTreasury, a treasury administration platform that helps finance groups monitor money flows, handle danger, and unlock idle capital.
The acquisition follows the $1.25 billion buy of Hidden Highway in April and the $200 million deal for the Rail stablecoin platform in August, making Ripple helpful for firms to combine digital belongings at scale. Garlinghouse has repeatedly tied the strikes to pro-crypto insurance policies and this summer time’s GENIUS Act stablecoin laws.
 
Garlinghouse is blunt about what’s going to separate winners from losers. Having dozens of stablecoins that each one do the identical factor is pointless, he argues. Success calls for belief, regulation, and transparency. Because the market matures, the weak entrants with out strict guidelines will fade, whereas the best-regulated gamers turn out to be the rails that normalize digital funds.
In the meantime, Stablecoins are shifting past crypto settlement into mainstream funds infrastructure, particularly in B2B flows, company treasuries, and world payouts. Regulated, onshore stablecoins embedded in institutional workflows distinction with quicker, offshore variations serving cross-border wants.
That stated, DeFi lending is shifting towards structured, balance-sheet-like credit score, with stablecoins dealing with settlement and yields. Lastly, regulation is shifting from preliminary licensing to ongoing oversight of reserves, disclosures, and conduct.
