Brad Garlinghouse says stablecoins could become the main entry point for businesses moving into the crypto industry, as more companies look for faster and cheaper payment systems.
Speaking in a recent interview, he said many finance leaders—especially CFOs and treasury teams—are now actively discussing how stablecoins could be used in everyday business operations like payments and cash management.
In his view, stablecoins could become crypto’s “ChatGPT moment” for companies, meaning a breakthrough point where adoption becomes mainstream and practical.
He said that interest is already spreading across large companies, including firms in the Fortune 500 and Fortune 2000, where executives are asking how digital dollars could fit into their financial systems.
Market data supports this growing interest.
Research from Bloomberg Intelligence suggests that stablecoin transaction flows could grow extremely fast, potentially reaching $56.6 trillion by 2030. That would make them a major part of global payment systems.
Garlinghouse also noted that stablecoins already handled more than $33 trillion in transaction volume last year, with most activity coming from major players like USDT and USDC.
He added that Ripple entered the stablecoin market in late 2024 with its own token, RLUSD, which has already grown into one of the top stablecoins by market value.
At the same time, Ripple is expanding its infrastructure. The company has made major acquisitions, including Hidden Road and GTreasury, to strengthen its services for institutions that want to use blockchain for payments and treasury operations.
Garlinghouse said regulation will play a key role in how fast this sector grows. He pointed to ongoing discussions in the United States, including potential legislation like the CLARITY Act, which could provide clearer rules for digital assets.
He also said that many companies are waiting for clearer U.S. guidance before fully committing to stablecoin adoption, and criticized past regulatory uncertainty that slowed the industry.
In short, Ripple’s CEO believes stablecoins are moving from a crypto trading tool to a core part of global business finance—and that shift may be closer than many expect.
