Ripple to Reach $1 Trillion Valuation? CEO Believes So

Ripple CEO Brad Garlinghouse said during XRP Community Day that Ripple’s “reason for existence” is to drive success around XRP and the broader XRP ecosystem. He added that a trillion-dollar crypto company will emerge and that Ripple has an opportunity to reach that level if it executes well with its partners.

Garlinghouse reiterated that XRP remains Ripple’s “north star,” despite the company expanding into treasury management software, stablecoins, and institutional services.

The statement raises two questions: Can Ripple, a private company, achieve a $1 trillion valuation? 

What is Ripple Current Valuation?

Ripple Company Valuation

Ripple is privately valued at $40 billion following a $500 million funding round in late 2025 led by Fortress Investment Group and Citadel Securities. According to CB Insights, Ripple ranks ninth among global IPO candidates.

To reach $1 trillion, Ripple would need to grow by roughly 20 times its current level.

How Ripple Could Reach a $1 Trillion Valuation

1. Enterprise Expansion and M&A Strategy

Ripple invested about $4 billion in acquisitions during 2025. Major deals include:

• Hidden Road for $1.25 billion
• GTreasury for $1 billion

The company plans to integrate these businesses into the XRP ecosystem in 2026. One key growth scenario involves cross-border payments. SWIFT processes an estimated $150 trillion in annual payment volume. If Ripple captures 1% of that flow, it would represent $1.5 trillion in annual settlements through Ripple’s On-Demand Liquidity (ODL) system.

Ripple reported processing $1.3 trillion in ODL payments in 2025. Continued growth in this segment could expand revenue and valuation.

2. Tokenization of Real-World Assets (RWAs)

Industry estimates suggest tokenized real-world assets could reach $16 trillion by 2030. Ripple’s XRP Ledger (XRPL) supports asset tokenization, and firms such as Aviva Investors have used the network for tokenized products.

XRPL also supports EVM-compatible sidechains, which enable decentralized finance (DeFi) applications. If Ripple captures a share of tokenized bonds, funds, or derivatives markets, transaction volumes could rise significantly.

3. IPO and Institutional Capital

An initial public offering at $50 billion or more could attract institutional capital. Ripple’s valuation increased approximately 25% in a matter of months, from $40 billion to $50 billion.

Ripple’s U.S. dollar stablecoin, RLUSD, has surpassed $1 billion in market capitalization. Growth in stablecoins and corporate treasury services may expand Ripple’s revenue base.

4. Regulatory Clarity and Banking Partnerships

U.S. regulatory developments, including proposals such as the CLARITY Act, may provide clearer rules for digital assets. Greater legal certainty could encourage banks and financial institutions to use Ripple’s infrastructure.

Ripple’s partnerships with banks and payment providers remain central to its enterprise strategy.

Is a $1 Trillion Valuation Realistic?

Garlinghouse’s statement reflects long-term ambition rather than a near-term forecast.

Ripple’s strategy includes measurable activity:

• $4 billion in acquisitions in 2025
• $1.3 trillion in ODL payment volume
• A valuation increase of 25% within months
• RLUSD stablecoin surpassing $1 billion

However, XRP has also experienced volatility, including a 65% decline from prior highs and short-term weekly drops exceeding 30% during market corrections.

For XRP, a $1 trillion market cap would exceed the GDP of many major economies. Analysts widely view $3 to $8 by 2026 as more conservative estimates. A move toward $16 or higher would likely require sustained adoption beyond speculative trading.

Conclusion

Ripple’s $1 trillion vision depends on enterprise scaling, cross-border payment capture, tokenization growth, regulatory clarity, and institutional participation. Current valuation data indicate a substantial gap between current levels and the trillion-dollar mark. In the meantime, the trajectory will depend on execution, regulatory developments, and measurable transaction growth across the XRP ecosystem.

Sources:

• XRP Ledger: What is XRP 
• Coindesk: Ripple Raises $500M at $40B Valuation
• Forbes: Where will XRP be in the next five years