Ripple used XRP Community Day to reinforce its message: XRP is not a business tool, it is a strategic goal and the company is putting its product stack, regulatory position, and institutional roadmap on that structure.
Highlights of XRP Community Day
CEO Brad Garlinghouse went straight to the roof. “There will be a multi-billion dollar crypto company, I don’t doubt that for a second,” he said. “I think Ripple has a chance to be that company, and maybe there will be more than one.” The framework is important because it’s not a token value call – it’s a measure argument about where the regulated channel, currency transaction, and business distribution can be focused as XRP connects to legacy finance.
Policy was the second major pillar. Garlinghouse lays out the odds on the US legislative table, predicting a “75%” chance that the CLARITY Act will be “very close to being signed by the end of April.”
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Garlinghouse also tried to align market volatility with institutional appetite, pointing to the behavior of ETF flows during a tight tape. “I believe in a world with many chains. Even last week, when there were a lot of risks happening in the market, there was a good entry of the XRP ETF of $ 30M or $ 40M,” he said. “Public markets are willing to invest in crypto. Customers want it.”
The compliance posture is framed less as a defense and more as a competitive conduit for Garlinghouse. “We want to be more regulated, more compliant, because we’re focused on institutional flow – that’s the priority,” Garlinghouse said. “The OCC charter makes it clear that RLUSD is a leader under the GENIUS Act, solidifying our leadership position.” According to Ripple, regulatory credentials are not a cost center; they are how you win authority, counterparties, and distribution in market segments that move size.
He also revealed significant progress in the Fed Masters account. “Now, there’s a lot of speculation about what we can do in the future,” Garlinghouse said. “There was some commentary on the Fed Master Account, which we think is compelling. And there are things we can do in the future that I won’t get into today.” He then emphasized the point in the process instead of rumors: the OCC’s conditional approval and involvement, he said, represents “great progress where we started this journey.”
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On XRP itself, Garlinghouse presented a very clean thesis statement for the event: “XRP is Ripple’s north star. It’s our mission.” He tied Ripple Payments, Ripple Prime, Ripple Treasury, storage, and RLUSD to one goal: “how we can drive resources, trust, liquidity around XRPL.”
President Monica Long expanded that into an execution guide: “We’re taking the tape back to the founding of the company, like XRP and Ledger our reason for being,” she said. “So we call it our North Star, like it’s the brand that guides us in a lot of our product planning and decision-making.”
From there, he outlined three institutional-flavored pushes: bringing more licensed payment flows to the XRPL DEX, the concept of “debt settlement” that matches the financial needs of payment providers and XRP holders seeking yield through the proposed lending protocol amendment, and the growing need to stay in stock as banks move beyond safekeeping and include tokens, deposits, and regular deposits.
At press time, XRP traded at $1.38.
The featured image was created with DALL.E, a chart from TradingView.com
