ripple

Fifteen years into crypto’s evolution, most leaders still speak in careful projections. Brad Garlinghouse didn’t.
During $XRP Community Day on X, he said it plainly: “There will be a trillion-dollar crypto company, I don’t doubt that for a second.” Then he took it a step further. “I think Ripple has the opportunity… to be that company.”
That kind of statement carries weight. #Ripple is currently valued around $40 billion after raising $500 million from investors including Citadel Securities and Fortress Investment Group. To reach a trillion dollars, it would need to grow roughly 25 times from here. In traditional markets, that kind of expansion defines eras. Apple. Nvidia. Alphabet. Companies that became foundational to how the world operates.
In crypto, ambition is common. Execution is rare.
What makes Ripple’s claim worth paying attention to is where the conviction is anchored. Garlinghouse has repeatedly described $XRP as the company’s “north star,” adding,
“Ripple’s reason for existence is driving success around XRP and the XRP ecosystem.”
That statement shifts the frame. XRP is presented as infrastructure, a liquidity layer designed for settlement, cross-border efficiency, and treasury movement.
This is not positioning built on short-term excitement. Over the past year, Ripple has deployed billions into expansion. It acquired prime brokerage Hidden Road for $1.25 billion, treasury management firm GTreasury for $1 billion, and Rail for $200 million, while adding Palisade to strengthen its stack. These moves point to vertical integration. Build the rails. Own more of the flow. Strengthen the financial plumbing before scale arrives.
All of this unfolds against a volatile market backdrop. #xrp has retraced significantly from its $3.56 all-time high and has traded near $1.38. Bitcoin and the broader market have experienced similar drawdowns. Garlinghouse addressed the moment directly, urging the community to zoom out. He reminded listeners that these are massive markets and that the opportunity to “rewire and accelerate” global financial infrastructure is far bigger than any single quarter’s price action.
There is also context that cannot be ignored. After years of legal uncertainty, a U.S. judge ruled that $XRP itself is not a security when sold on exchanges. That partial clarity reduced a regulatory weight that had lingered over Ripple’s strategy. It does not eliminate risk, but it changes the starting point. The conversation begins to shift from survival to adoption.
None of this guarantees a trillion-dollar outcome. Moving from $40 billion to $1 trillion would demand sustained institutional usage, global regulatory coordination, deep liquidity integration, and real-world dependency. That is a steep climb.
But there is a clear narrative emerging. Ripple is not trying to win a meme cycle. It is attempting to embed itself into the underlying infrastructure of finance, with XRP positioned at the center of that design.
The real tension sits here. Does the first trillion-dollar crypto company emerge from consumer speculation and retail momentum, or from institutional rails that quietly power global flows?
One path is louder. The other is slower and harder to build.
lf a trillion-dollar company does emerge from crypto, it will likely become indispensable before it becomes celebrated. The question for anyone watching is simple: are we witnessing the early stages of that kind of buildout, or just another ambitious promise in a market known for bold claims?
That is where the conversation should begin.

The American Bankers Association pushed the Office of the Comptroller of the Currency to strengthen oversight of new banking charter applications. The move targets emerging digital asset firms seeking federal banking licenses amid rapid regulatory changes.
In a comment letter submitted today, ABA called for increased transparency and robust safety standards during what the association described as a period of intense financial innovation. The letter emphasized that charter applicants' responsibilities remain unclear because federal and state regulators have not adequately defined frameworks for stablecoin and digital asset activities.
Regulatory Framework Gaps Exposed
The association asserted that proposed amendments to 12 CFR 5.20 require continued deliberation given their significant role in shaping pending rulemakings across multiple agencies. ABA urged OCC to avoid measuring application progress against traditional timelines.
"The OCC must ensure that robust, broadly applicable safety and soundness standards are well understood and upheld during this period of rapid innovation."
Must Read: Banks and Crypto Clash Over Stablecoin Rewards
The full letter stressed the importance of patience, calling on OCC to allow each charter applicant's regulatory responsibilities to come fully into view before advancing applications. This approach directly addresses entities experimenting with unfamiliar operational risks and new business lines.
Ripple's Banking Membership Signals Industry Shift
@ChartNerdTA on X highlighted that the American Banking Association recently urged USOCC to provide stronger safeguards for banking charter applicants while sharing a demonstration of how Ripple transactions are processed.
"$XRP: The American Banking Association recently urged the USOCC to provide stronger safeguards for banking charter applicants.. Whilst sharing a demo on how Ripple transactions are processed. Ripple joined the American Bankers Association as a Platinum Member in June 2024."
You Might Also Like: Ripple Partners Aviva Investors for XRP Tokenization
Ripple's Platinum membership status since June 2024 positions the company within traditional banking circles as digital asset regulations take shape. The timing coincides with heightened scrutiny of charter applications from crypto-native firms.
Resolution Planning Takes Center Stage
ABA strongly encouraged OCC to ensure its receivership capacities and related powers adequately address insolvency risks raised by existing and new charter applicants. The focus on resolution planning reflects concerns about institutions venturing beyond traditional banking activities.
Related: SOIL Builds First Institutional Lending Product on XRPL
The association recommended prohibiting charter applicants from including "bank" in their names unless they are subsidiaries of banks or bank holding companies that offer full banking services. This naming restriction aims to prevent entities from misrepresenting their service offerings to consumers.
Digital Asset Regulation Remains Undefined
Charter applicants face uncertainty as Congress and federal regulators work to establish clear digital asset frameworks. The ABA noted that many recent applicants pursue business models not readily identifiable under current regulatory structures.
Must Read: Ripple and Zand Forge RLUSD-AEDZ Bridge in UAE
The banking industry represents $25.1 trillion in assets with over 2 million employees, safeguarding $19.7 trillion in deposits and extending $13.2 trillion in loans. These institutions now navigate requests from digital asset firms seeking federal banking charters without fully developed regulatory guardrails.
Check Out: Bitso Deploys Ripple's RLUSD and XRP for Instant LATAM Payments
The OCC's response to these recommendations will shape how quickly crypto-native firms can access federal banking infrastructure while maintaining the safety and soundness standards that underpin the traditional financial system.
#XRP #Ripple #BankingRegulation #OCC #DigitalAssets
3 Key Takeaways:
ABA demands OCC strengthen oversight for new banking charter applicants in crypto sectorRipple's ABA platinum membership highlights traditional banking engagement with XRP ecosystemRegulators face pressure to define frameworks before approving crypto-focused charters

This Article First Appeared on: https://www.cryptonewslive.org/article/xrps-ripple-pushes-banking-regulator-for-charter-safeguards