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💵 Ripple CEO Brad Garlinghouse Assesses 2025 for $XRP , Reveals 2026 Targets Ripple CEO Brad Garlinghouse, in a statement following an email to shareholders regarding the company’s quarterly performance, said that 2025, and especially the last quarter, had been an extremely successful year for Ripple. Garlinghouse compared this achievement to the career of NFL legend Tom Brady, saying, “To say that 2025 (and the fourth quarter) was a success for Ripple is like saying that Tom Brady was a great player.” Garlinghouse stated that Ripple’s two recent major acquisitions, Ripple Prime and GTreasury, have accelerated and expanded the company’s vision. He noted that these steps significantly enhance the company’s capacity to realize its “Internet of Value” goal, adding that XRP is central to the Ripple ecosystem and will continue to play this role in the future. Garlinghouse stated that the company is also in a strong position on the licensing side, noting that Ripple has “one of the most comprehensive license portfolios” and that the new Electronic Money Institution (EMI) license obtained from the United Kingdom has been added to this picture. He stated that these developments will make 2026 an “even more fruitful” period for Ripple. Garlinghouse also added that building crypto infrastructure, updating the foundation of the global financial system, and rethinking outdated systems takes time. He said that Ripple will continue to focus on what crypto-based assets like XRP and RLUSD can achieve in the long term, rather than chasing short-term market cycles and excitement. #XRP | #Ripple

On January 9, 2026, the financial world witnessed a tectonic shift as BNY Mellon, the world’s largest custodian bank with $57.8 trillion in assets, officially launched its tokenized deposit service. Ripple is not just a spectator in this "megatrend"; it is a foundational early adopter. Through Ripple Prime, its newly rebranded institutional brokerage arm, Ripple has joined an elite circle of launch partners including Citadel Securities, Intercontinental Exchange (ICE), and Circle. This partnership effectively bridges the gap between traditional banking and the 24/7 digital economy, allowing institutions to move cash on-chain for real-time collateral, margin, and settlement workflows. I. Ripple Prime: The Institutional Engine Room Ripple’s direct involvement in BNY’s initiative comes through Ripple Prime, the brokerage entity formed after its high-profile $1.25 billion acquisition in 2025. By becoming an early client of BNY’s tokenized deposits, Ripple Prime can now manage its liquidity with unprecedented efficiency. This allows for near-instantaneous transfers between traditional bank ledgers and digital asset rails, bypassing the limitations of legacy banking hours. For XRP holders and Ripple ecosystem participants, this represents a major validation of Ripple's "enterprise-first" strategy, positioning its infrastructure as the preferred gateway for the world's largest financial institutions. II. Tokenized Deposits vs. Stablecoins: A New Era of Safety A critical takeaway from BNY’s launch is the distinction between tokenized deposits and stablecoins. While stablecoins like USDC or Ripple’s own RLUSD (which BNY notably custodies as of July 2025) are backed by external reserves, tokenized deposits are direct, interest-bearing liabilities of the bank itself. This launch was accelerated by the passage of the GENIUS Act in late 2025, which provided the legal certainty needed for banks to move deposits onto digital rails. These "on-chain deposits" offer a higher level of regulatory safety for institutions, creating a "trusted settlement layer" that can handle trillions in daily transaction volume. III. The 24/7 "Always-On" Market Infrastructure BNY and its partners, including Ripple, are solving a decades-old friction point: the T+1 or T+2 settlement delay. With tokenized deposits, BNY is enabling programmable cash that can settle margin calls or release collateral automatically at 3:00 AM on a Sunday. ICE (the operator of the New York Stock Exchange) has already confirmed it will integrate these deposits into its clearinghouses to support continuous, 24/7 trading models. This ecosystem doesn't just benefit from faster payments; it lays the groundwork for the tokenization of all financial assets from stocks and bonds to real estate all settled instantly with bank-backed digital money. IV. Essential Financial Disclaimer This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Ripple Prime’s participation in BNY Mellon’s tokenized deposit service does not guarantee the price performance of XRP or other Ripple-related assets. The regulatory environment for tokenized deposits is still evolving following the passage of the GENIUS Act and may be subject to further legislative changes. The integration of blockchain technology into traditional banking infrastructure carries inherent technical and systemic risks. Always conduct your own exhaustive research (DYOR) and consult with a licensed financial professional before making any significant investment decisions in the digital asset or banking sectors. Do you think BNY Mellon’s tokenized deposits will eventually replace the need for traditional stablecoins in the institutional space?

Ripple just unlocked the UK. Its local subsidiary has officially secured approval from the Financial Conduct Authority (FCA) as an Electronic Money Institution (EMI) a major regulatory milestone as the UK moves toward formalizing its crypto framework. This greenlight allows Ripple to offer payments and e-money services in the UK, giving a strategic boost to its RLUSD stablecoin. More importantly, it positions Ripple ahead of the UK’s 2027 crypto licensing regime, ensuring it is well-placed in one of the world’s most important financial markets. While certain operational limits remain, the message is clear: crypto regulation is evolving from a barrier into a bridge for established players. Ripple continues to expand its footprint methodically and quietly, stacking jurisdictions globally while laying the groundwork for broader adoption. $XRP holders may see this as a strong signal that Ripple’s regulatory strategy is paying off turning compliance into competitive advantage. #XRP #Ripple

$XRP Ripple just unlocked the UK. Ripple’s UK subsidiary has secured FCA approval as an Electronic Money Institution (EMI) — a major regulatory win as the UK formalizes its crypto framework. -> Greenlight for payments & e-money services -> Strategic tailwind for RLUSD stablecoin -> Positioned ahead of the UK’s 2027 crypto licensing regime Limits remain, but the signal is clear: regulation is turning from barrier to bridge. Ripple keeps stacking jurisdictions — quietly, methodically, globally. #XRP #Ripple