Ripple CEO Brad Garlinghouse said in a FOX Business interview that Ripple Treasury moved $13 trillion in payments last year, and none of that volume ran through crypto rails. Yahoo Finance cited the interview and noted Garlinghouse described stablecoins as crypto’s “ChatGPT moment,” while also saying XRP remains Ripple’s “North Star.” The central point is plain: Ripple’s payment activity is large, but the money is still settling inside the fiat system.
Large payment volume contrasts with XRP market performance
The source says XRP was trading at $1.35 on April 1, below its 200-day moving average. It also states the token had fallen 60% from its mid-2025 peak even as Ripple’s corporate valuation reached $50 billion. RLUSD, meanwhile, crossed a $1.5 billion market cap within a year. That leaves a visible gap between Ripple’s business expansion and the market performance of XRP.
Bank usage of Ripple infrastructure has not translated into XRP settlement
The article says Deutsche Bank and Société Générale are settling on Ripple infrastructure. At the same time, according to 24/7 Wall Street as cited in the source, those institutions are using stablecoins and fiat rather than XRP as a bridge asset. That distinction matters. Adoption of Ripple’s network does not mean XRP is already capturing the payment flow moving through that system.
Forecasts hinge on whether fiat volume moves onto crypto rails
The report cites Standard Chartered projecting $2.80 for XRP in 2026 under moderate conditions. It also says RLUSD is live across 60 markets, while spot XRP ETFs have opened institutional access and Goldman Sachs is among the top holders. Even so, weekly inflows recently fell below $2 million. The article adds a hypothetical calculation: if 5% of that $13 trillion eventually moved through On-Demand Liquidity, that would imply $650 billion in annual routing through XRP. That figure is presented as a scenario, not current activity.
Pepeto section is primarily promotional material
The second half of the source shifts heavily into promotion for Pepeto, including presale pricing, fundraising, staking yield, a claimed Binance listing, and return projections. Figures mentioned include $8.69 million committed, a presale price of $0.000000186, and 189% APY staking. The article also says SolidProof reviewed the contracts and cites analyst targets of 100x to 300x. Those claims appear as project marketing statements and are presented alongside the Ripple and XRP discussion.