Brad Garlinghouse Predicts Stablecoins Will Transform Corporate Payments Across the United States

By Oke Tope

Published: March 28, 2026 | 12:32 PM GMT

In a recent interview with FOX Business, Ripple CEO Brad Garlinghouse likened stablecoins to the blockchain equivalent of ChatGPT—a transformative tool for businesses looking to speed up and simplify payments.

He said boards and CFOs from Fortune 500 and Fortune 2000 companies are actively asking how to integrate stablecoins into corporate operations.

“Giving the treasurer and the CFO that option is the unlock,” Garlinghouse emphasized, suggesting that stablecoins could serve as a gateway to broader blockchain adoption within the corporate world.

Stablecoins Set to Surge in Global Payments

Analysts have been bullish on the role stablecoins could play in the financial ecosystem.

Bloomberg Intelligence projected in January that stablecoin transaction flows could grow at an 80% compounded annual rate, reaching $56.6 trillion by 2030.

If realized, stablecoins would rank among the most critical payment mechanisms worldwide.

Garlinghouse highlighted that last year alone, stablecoins processed over $33 trillion in trading volume—though nearly 90% of that was dominated by Tether’s USDT and Circle’s USDC.

Ripple itself entered the fray with its own stablecoin, Ripple USD (RLUSD), launched in December 2024, which now ranks as the 10th largest stablecoin by market capitalization at $1.4 billion according to CoinGecko.

Ripple Strengthens Its Blockchain Infrastructure

Ripple hasn’t just focused on stablecoins—they’ve been busy building out their infrastructure for corporate payments.

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Courtney Lawes, the seasoned English rugby star, has long embraced the idea of growth and transformation, a philosophy symbolized by the moth tattooed on his neck—and now featured on his custom boots. “The moth represents resilience but also the ability to change and adapt,” he tells Daily Mail Sport. “It mirrors my career: evolving, improving, and learning from every experience.” At 37, Lawes remains a force on the field with French side Brive, having earned 105 England caps and five Lions appearances. His career longevity is rare in modern rugby, a testament to constant adaptation and dedication to maintaining peak performance. Lessons for England’s National Team Lawes’ perspective on evolution extends beyond his personal journey. Reflecting on England’s disappointing 2026 Six Nations campaign, he emphasizes that the national side must adapt, improve, and learn from mistakes. With only one win and a fifth-place finish, England conceded record points and tries, raising questions about coach Steve Borthwick’s risk-averse strategy. “The team can definitely still win the next World Cup,” Lawes insists. “But we need to solidify who our best players are and give them experience in high-pressure situations. There’s no substitute for that.” Young Talent and Changing Player Profiles Lawes points out a generational shift in English rugby, noting that younger players often have smoother lives and fewer hardships compared to previous stars. Players like Henry Pollock face different challenges than Lawes and Ellis Genge did in their youth. For him, overcoming adversity shaped resilience and mental toughness—qualities he believes are crucial for the next England squad. The recent national Under-18 championship victory by Northampton School for Boys, Lawes’ alma mater, highlights the importance of broadening talent development beyond fee-paying schools. “It’s bigger than rugby,” he says. “It shows that a wider talent pool can succeed and enrich English rugby.” Looking Ahead: Coaching and Strategy Lawes encourages Borthwick to embrace a more attacking style, citing the thrilling 48-46 defeat by France as a blueprint. “Rugby is changing globally,” he notes. “Teams are playing more attacking rugby, and England must adapt to remain competitive. Risk-taking, innovation, and learning from setbacks are essential.” He also supports retaining Ollie Chessum at No 6 as England prepares for the Nations Championship opener against back-to-back World Cup winners South Africa in July. Continuing His Own Career Despite contemplating retirement, Lawes remains committed to playing. He is in talks to extend his contract with Brive for a final season, aiming to finish his career at exactly two decades. Offers from Leicester were considered but did not align with his goals. “I’m still performing at a high level and want to finish on my own terms,” he says. Impact and Consequences Lawes’ career longevity and adaptability provide a model for younger players and the England team. His insights highlight how resilience, experience, and exposure to adversity are critical to player development. England’s performance in the Six Nations also serves as a warning: without evolution and willingness to change tactics, even historically strong teams can falter. What’s Next? For Lawes, the next year will focus on one final season with Brive while mentoring younger talent. For England, the challenge lies in adjusting coaching strategies, cultivating depth across the squad, and preparing a more attack-oriented approach for the upcoming international fixtures. Summary Courtney Lawes’ career embodies adaptability, resilience, and continuous growth. As England rebuilds after a tough Six Nations, his lessons on evolution, risk-taking, and player development resonate strongly. Lawes is determined to play one last season in France, leaving a lasting legacy both on and off the field. Bulleted Takeaways Courtney Lawes’ moth tattoo symbolizes resilience and career evolution At 37, he continues playing professionally with Brive, after 105 England caps England’s 2026 Six Nations campaign highlighted the need for tactical evolution Lawes advocates for a more attacking style and exposure to adversity for younger players Northampton School for Boys’ Under-18 championship victory shows talent can thrive outside fee-paying schools Encourages retention of Ollie Chessum at No 6 and risk-taking in strategy Lawes considers one final season with Brive to round off a 20-year career

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In 2025, Ripple acquired Hidden Road, a prime brokerage for institutions, for $1.25 billion.

Shortly after, it purchased corporate treasury platform GTreasury for $1 billion.

“These acquisitions position Ripple as a one-stop solution for companies seeking blockchain-based financial services,” Garlinghouse said.

He also hinted that Ripple is on track for a record-breaking quarter, noting that the company has been “on a tear” since these strategic moves.

Regulation Could Accelerate Adoption

Garlinghouse stressed that legislation like the CLARITY Act could be a game-changer for stablecoin adoption.

If passed by Congress, the Act would provide clearer guidelines for blockchain and crypto operations in the U.S., helping prevent policy missteps that could hinder innovation.

“A lot of eyes are on what U.S. regulation will look like and whether it will get done,” he explained.

“We want to make sure we don’t have another Gary Gensler moment where policy gets weaponized politically instead of supporting business and the economy.”

Impact and Consequences

The implications of this stablecoin push are significant:

For businesses: Faster, cheaper, and more transparent payment systems could replace traditional wire transfers.
For banks: Treasury and finance teams might increasingly interact with blockchain platforms, changing the role of intermediaries.
For global markets: With trillions in projected stablecoin flows, cross-border commerce could become more efficient and less costly.

What’s Next?

Companies are expected to pilot stablecoin usage in real-world transactions over the next 12–18 months.

Regulatory clarity from the CLARITY Act could further accelerate adoption, and Ripple is likely to continue expanding its offerings to include not just payments but also treasury management and other blockchain-based financial solutions.

Summary

Ripple’s CEO Brad Garlinghouse positions stablecoins as a pivotal innovation for corporate finance, akin to ChatGPT’s impact on AI.

With major acquisitions and a growing stablecoin market, Ripple aims to reshape payments while waiting on clearer U.S. regulations that could set the stage for wider adoption.

Bulleted Takeaways

Brad Garlinghouse calls stablecoins the “ChatGPT moment” of crypto for businesses.
Bloomberg Intelligence predicts stablecoin flows could hit $56.6 trillion by 2030.
Ripple’s RLUSD is the 10th largest stablecoin by market cap at $1.4 billion.
Ripple acquired Hidden Road and GTreasury to strengthen blockchain infrastructure.
Regulatory clarity from the CLARITY Act could accelerate corporate blockchain adoption.

About Oke Tope

Temitope Oke is an experienced copywriter and editor. With a deep understanding of the Nigerian market and global trends, he crafts compelling, persuasive, and engaging content tailored to various audiences. His expertise spans digital marketing, content creation, SEO, and brand messaging. He works with diverse clients, helping them communicate effectively through clear, concise, and impactful language. Passionate about storytelling, he combines creativity with strategic thinking to deliver results that resonate.