Ripple CEO Brad Garlinghouse has publicly stated that the company’s previous $11 billion valuation is now “very outdated,” citing a dramatic surge in XRP’s market value and growing institutional demand for Ripple’s blockchain solutions. As the crypto landscape evolves, Ripple is emerging not just as a digital asset player but as a foundational force in global financial infrastructure.
With XRP holdings now surpassing $100 billion in value, Garlinghouse emphasized that Ripple’s financial standing has fundamentally shifted. This reevaluation comes at a pivotal time when digital assets are gaining legitimacy and regulatory clarity appears on the horizon.
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Ripple’s Evolving Valuation and Asset Strength
Garlinghouse highlighted that the total value of XRP held by Ripple exceeds $100 billion—a figure that dramatically redefines the company’s net asset value. In contrast to its last official valuation of $11 billion in early 2024, this asset-based reassessment positions Ripple far beyond its prior market perception.
During a recent interview, the CEO compared Ripple’s private market trading dynamics to those of MicroStrategy, a publicly traded Bitcoin holder. While MicroStrategy trades at a 3x premium to its net asset value, Ripple has historically traded at a discount—despite holding a similarly strategic digital asset.
“The total value of the XRP we hold is now greater than $100 billion,” Garlinghouse stated. “Yet, we’ve been trading in the private markets at a discount. That disconnect doesn’t reflect our true potential.”
This valuation gap underscores a growing sentiment among investors and analysts: Ripple’s intrinsic value is not fully captured by traditional metrics. The company's extensive XRP reserves, combined with expanding use cases, suggest a significant upside as market conditions mature.
XRP Price Momentum and Market Performance
XRP has experienced a remarkable price surge, increasing fivefold since the pre-election period in late 2024. This rally has been accompanied by heightened liquidity and trading volume, with periods where XRP outpaced even Bitcoin in market activity, according to data from FalconX.
Technical indicators further support bullish momentum. The SuperTrend indicator recently turned positive on the 12-hour XRP chart—the first such shift in several months. Analyst Ali Charts noted that the last time this occurred, XRP surged by 470%.
Crypto expert Peter Brandt also weighed in, analyzing XRP’s chart pattern. He identified a potential bullish flag formation, suggesting that if confirmed, XRP’s market cap could climb toward $500 billion.
Such projections align with broader market trends, including increasing speculation around U.S. crypto ETF approvals and discussions about a national blockchain reserve. As institutional interest grows, XRP’s role as both a utility token and speculative asset gains traction.
Strategic Focus: B2B Blockchain Solutions
Despite the spotlight on XRP’s price, Ripple remains focused on its core mission: transforming cross-border payments through enterprise blockchain solutions. Garlinghouse reiterated that the company’s primary clients are financial institutions, including banks, payment providers, and multinational corporations.
Ripple offers tailored services such as secure digital asset custody, real-time settlement, and liquidity solutions—all built on its proprietary blockchain technology. The acquisition of Swiss-based Metaco, a leading digital asset custody firm, has strengthened Ripple’s ability to serve Tier 1 banks and institutional clients.
“We’re not just building a token; we’re building infrastructure,” Garlinghouse said. “Our goal is to make global payments faster, cheaper, and more transparent.”
This B2B focus differentiates Ripple from many other crypto projects that prioritize retail adoption. By embedding its technology into existing financial systems, Ripple aims to drive systemic change rather than speculative hype.
Ripple USD (RLUSD): A New Chapter in Stablecoin Innovation
In a strategic expansion of its product suite, Ripple announced the launch of Ripple USD (RLUSD), a regulated stablecoin licensed by the New York Department of Financial Services (NYDFS). Unlike some narratives suggesting competition with XRP, Garlinghouse clarified that RLUSD is designed to complement it.
“RLUSD will leverage XRP—not replace it,” he explained. The stablecoin is expected to enhance liquidity on Ripple’s decentralized exchange (DEX) and enable more efficient automated market maker (AMM) functions within its ecosystem.
By integrating RLUSD with XRP-based trading pairs, Ripple aims to create a more robust on-chain financial environment for institutions and developers alike. This move positions Ripple at the forefront of regulated stablecoin innovation—a space gaining increased scrutiny and importance in global finance.
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Regulatory Shifts and Future Outlook
Garlinghouse pointed to recent changes in the U.S. regulatory environment as a turning point for Ripple and the broader crypto industry. The departure of SEC Chairman Gary Gensler and evolving government attitudes toward blockchain innovation have created space for greater regulatory clarity.
“The winds have changed,” Garlinghouse said, expressing optimism about future engagement with U.S. regulators. While 95% of Ripple’s current customers operate outside the United States, he anticipates renewed domestic interest in the coming months.
This shift could pave the way for wider adoption of Ripple’s solutions by American financial institutions—especially as policymakers recognize the strategic importance of blockchain in maintaining global financial competitiveness.
Frequently Asked Questions (FAQ)
Q: Why did Brad Garlinghouse say Ripple’s $11B valuation is outdated?
A: Because Ripple’s holdings of XRP are now worth over $100 billion, making its previous valuation no longer reflective of its true asset value or market potential.
Q: How does Ripple plan to use XRP alongside RLUSD?
A: RLUSD will operate alongside XRP, using it to enhance liquidity on Ripple’s DEX and support AMM functionalities—not as a replacement but as a complementary tool.
Q: What role does Metaco play in Ripple’s strategy?
A: Metaco provides secure digital asset custody solutions, enabling Ripple to offer compliant infrastructure to major banks and institutional clients.
Q: Is XRP outperforming Bitcoin in any metrics?
A: Yes—according to FalconX data, XRP has seen periods of higher trading volume and liquidity compared to Bitcoin during recent market surges.
Q: What regulatory developments are利好 for Ripple?
A: The change in U.S. regulatory leadership and growing openness to blockchain innovation suggest a more favorable environment for Ripple’s operations and future partnerships.
Q: Where is most of Ripple’s customer base located?
A: Currently, 95% of Ripple’s customers are based outside the United States, though domestic interest is expected to grow soon.
The convergence of strong asset backing, technological advancement, and shifting regulations places Ripple at a strategic inflection point. As XRP continues to gain momentum and institutional adoption accelerates, the company's vision for a reimagined financial system appears increasingly within reach.
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