Ripple Treasury could turbocharge XRP Ledger with $13T in payments
Ripple CEO Brad Garlinghouse says the XRP Ledger (XRPL) has a major 2026 growth path as Ripple Treasury (formerly G Treasury) expands adoption of digital assets.
Garlinghouse highlighted that Ripple Treasury orchestrated $13 trillion in payments last year, and “zero percent” used stablecoins or crypto—framing the rollout as a large on-chain opportunity. Ripple Treasury was acquired for about $1 billion in October 2025 to serve large enterprises, including Fortune 500 firms, with regulated liquidity management on the XRP Ledger.
Key update: Ripple introduced Digital Asset Accounts and Unified Treasury inside Ripple Treasury, including native digital-asset features. The article notes these capabilities are already leaning on Ripple USD (RLUSD) and XRP.
Trading relevance for XRP: If institutional payments route through the XRP Ledger, each dollar of processed volume can translate into increased on-chain transactions. The XRPL reportedly saw strong transaction growth in Q1 2026 driven by payments, with further growth expected.
Market angle: Higher expected institutional demand for XRP could strengthen bullish sentiment in 2026. RLUSD, with a stated market cap of about $1.4B at press time, may also see market-cap expansion as XRP Ledger use cases grow through Ripple Treasury.
Overall, the narrative ties enterprise treasury infrastructure directly to XRPL activity and potential XRP demand.
Bullish
The article’s core is that Ripple Treasury is expanding digital-asset usage tied to the XRP Ledger, with Garlinghouse citing $13T payments last year and positioning XRPL as the routing layer for institutional flows. Historically, when enterprise payment rails move on-chain, traders often react to the “activity-to-demand” link: higher transaction throughput can improve network perception and increase expectations for the native asset (here, XRP) as settlement/execution value concentrates on the chain.
Short term: headlines around new native digital-asset features (Digital Asset Accounts / Unified Treasury) can drive sentiment and momentum trades in XRP, especially if transaction growth data is already trending upward.
Long term: sustained institutional routing through the XRP Ledger could support a floor for demand narratives (real-world payment usage). It can also benefit RLUSD if treasury workflows increasingly rely on it for regulated liquidity and reduced payment friction.
Key risk to watch is whether actual volumes materialize on-chain at scale; “addressable opportunity” doesn’t always translate into immediate token demand. Still, compared with prior catalysts where infrastructure integrations preceded measurable usage, this one leans more toward bullish market behavior.