Brad Garlinghouse Sees Stablecoins as Crypto’s ‘ChatGPT Moment’

Brad Garlinghouse sees stablecoins as crypto's 'ChatGPT moment'.

CEO Ripple Brad Garlinghouse stated that stablecoins could represent a ‘ChatGPT moment’ for the crypto industry, paving the way for widespread adoption of the technology in business.

According to him, a key change will occur when companies can directly use ‘stablecoins’ in financial operations.

This involves their use in settlements, liquidity management, and treasury functions. Already, he notes, top management of large companies is discussing the implementation of such tools at the board and finance department levels.

He emphasized that business could be the main driver of broad digital asset adoption, with stablecoins serving as the ‘entry point’ into the crypto economy.

Market Growth Strengthens the Trend

Interest in the segment is supported by performance dynamics. The Ripple chief noted that the total volume of ‘stablecoin’ transactions exceeded $33 trillion over the past year.

Meanwhile, Bloomberg Intelligence forecasts further growth — up to $56.6 trillion by 2030 if market expansion continues.

The bulk of turnover still comes from major assets like USDC and USDT.

Ripple’s Infrastructure and Strategy

The company is also actively developing its own stablecoin direction. Launched in 2024, RLUSD has already become one of the largest assets in its segment.

To strengthen its position, Ripple is investing in infrastructure, including acquiring treasury systems provider GTreasury for $1 billion and prime broker Hidden Road for $1.25 billion. This strategy aims to create a comprehensive ecosystem for business — from payments to liquidity management.

According to Garlinghouse, the company is ‘on the rise’ following a series of strategic acquisitions.

“We will have a record quarter,” he confidently predicted.

Regulatory Factor

Garlinghouse believes that the adoption of the CLARITY Act and its subsequent signing by Congress will accelerate the implementation of stablecoin payments and broader blockchain technology adoption.

“Many are watching how regulation in the US will look and be implemented. We want to ensure that a situation like the one with Gary Gensler, where they try to use policy for political purposes rather than in the interests of the United States, does not repeat,” emphasized the Ripple chief.

The Financial Stability Board of the G20 has again warned of liquidity and dollarization risks associated with stablecoins.