Ripple plans 30% blockchain shift after $13T treasury flow

Ripple CEO Brad Garlinghouse said at Consensus Miami 2026 that Ripple Treasury has processed about $13 trillion in transaction volume, but none of it has been settled using crypto-native infrastructure. The company is now planning a measured transition. Ripple plans a 30% blockchain shift: over the next five years, up to 30% of Ripple Treasury transaction volume is expected to move onto blockchain platforms. Garlinghouse emphasized that financial markets won’t adopt blockchain overnight, and Ripple’s roadmap is step-by-step collaboration with institutions. Ripple also framed this as a move away from speculation toward programmable, tokenized payment flows. Garlinghouse’s approach is to onboard institutions first, integrate financial flows onto blockchain infrastructure, and then move toward an enterprise-grade, blockchain-native environment. Partnership momentum was highlighted alongside the migration plan. Ripple expanded its network through collaborations such as Volvo. Separately, US securities clearing giant DTCC, with partners including BlackRock, Goldman Sachs, JPMorgan Chase, and Nasdaq, teamed up with Ripple Prime to explore the foundations of tokenized markets. Overall, Ripple plans a 30% blockchain shift while keeping legacy infrastructure to avoid disruption—suggesting gradual blockchain adoption rather than an immediate market-wide catalyst for XRP.