Ripple CEO Brad Garlinghouse has publicly stated that the company’s previous $11 billion valuation is now "very outdated," citing a significant surge in XRP’s market price and growing institutional adoption of Ripple’s blockchain-based solutions. This reassessment comes as the company’s XRP holdings have reached a market value exceeding $100 billion, fundamentally altering its financial standing.
During a recent interview, Garlinghouse highlighted that Ripple’s substantial XRP reserves play a central role in this revised valuation. He contrasted Ripple’s position with that of other crypto-linked firms, noting that Ripple has historically traded at a discount in private markets compared to its net asset value—unlike companies such as MicroStrategy, which often trade at a premium.
The CEO’s comments signal a turning point for the fintech firm, which was last valued at $11 billion during a share buyback event in early 2024. Since then, rising XRP prices and expanding use cases have dramatically improved the company’s asset base and market perception.
XRP Market Performance and Technical Indicators
XRP has experienced remarkable growth, with its value increasing fivefold since late 2024. This upward momentum has captured the attention of traders and analysts, with platforms like FalconX reporting heightened liquidity and trading volumes—sometimes even surpassing those of Bitcoin.
Market experts attribute this surge to broader cryptocurrency trends, including anticipation around potential ETF approvals and evolving regulatory discussions. Notable analyst Peter Brandt suggested that if XRP’s current bullish chart pattern holds, its market capitalization could approach $500 billion.
Adding to the optimism, the SuperTrend indicator on XRP’s 12-hour chart recently turned bullish for the first time in months. Historical data shows that the last time this occurred, XRP’s price increased by over 470%. For those tracking these developments, 👉 monitor real-time market analytics here.
Ripple’s Strategic Business Focus
Despite XRP’s market success, Ripple remains focused on its core mission: providing blockchain infrastructure for financial institutions. The company continues to cater to banks, payment providers, and corporate clients with solutions for cross-border payments, digital asset custody, and liquidity management.
A key recent development is Ripple’s launch of its NYDFS-licensed stablecoin, Ripple USD (RLUSD). Garlinghouse clarified that RLUSD is designed to complement—not replace—XRP by enhancing liquidity and enabling new functionalities within Ripple’s decentralized exchange and automated market maker ecosystems.
The acquisition of Metaco, a Swiss digital custody specialist, further strengthened Ripple’s institutional offerings. This move has positioned Ripple as a leading service provider for Tier 1 banks seeking secure and compliant digital asset solutions.
Evolving Regulations and Market Opportunities
Shifts in the regulatory landscape have also buoyed Ripple’s outlook. Garlinghouse described recent months as a “turning point,” especially following leadership changes at the SEC and increasing political support for clear crypto regulations.
He noted that while currently 95% of Ripple’s customer base is located outside the U.S., growing regulatory clarity may renew interest among American financial institutions. This changing environment could open significant new business avenues in one of the world’s largest financial markets.
Frequently Asked Questions
Why does Ripple’s CEO believe the $11 billion valuation is outdated?
Garlinghouse points to the soaring market value of Ripple’s XRP holdings, now exceeding $100 billion, as well as increasing institutional adoption of its blockchain products. These factors together justify a substantial upward revision of the company’s valuation.
How has XRP performed in the markets recently?
XRP has surged fivefold since late 2024, frequently outpacing Bitcoin in trading volume and liquidity. Technical analysts also note the emergence of bullish indicators, suggesting potential for further growth.
What is Ripple’s new stablecoin and how does it relate to XRP?
Ripple USD (RLUSD) is a regulated stablecoin designed to operate alongside XRP. It aims to enhance liquidity and enable new use cases within Ripple’s ecosystem, such as improved decentralized trading and payment solutions.
Is Ripple still focused on the banking sector?
Yes. While XRP trades publicly, Ripple’ primary business remains business-to-business solutions for financial institutions, including cross-border payment systems, custody services, and liquidity management tools.
How have regulatory changes affected Ripple?
Recent shifts in U.S. regulatory attitudes and leadership have created a more favorable environment for Ripple’s operations. The company anticipates renewed institutional engagement domestically as policies become more predictable.
Where can I learn more about trading and market tools?
For those interested in tracking cryptocurrency trends and accessing trading tools, 👉 explore more strategies and market insights here.