Ripple Exec Says Using XRP or Stablecoins Offers Another Viable Path

Ripple is signaling fresh momentum around XRP and stablecoins as it expands payment and treasury capabilities for enterprise clients.

During an interview, Ripple Treasury Chief Product Officer Mark Johnson said the company is exploring new funding currencies, payout options, and cross-border payment solutions, with XRP and stablecoins playing a central role.

Key Points

• Ripple explores XRP and stablecoins to boost enterprise payment and treasury solutions.
• Ripple Treasury lets clients convert funds without holding crypto directly.
• XRP or RLUSD can act as a bridge for faster cross-border payments.
• Ripple Treasury platform combines blockchain payments with traditional cash management.

XRP and Stablecoins Central to Ripple Treasury’s Strategy

Johnson confirmed that XRP and Ripple’s RLUSD stablecoin are key assets as Ripple Treasury continues to develop. He explained that the focus isn’t just on holding digital assets, but on how they can be used to facilitate smooth currency conversion during payments.

For example, clients could hold XRP or a stablecoin at the start of a transaction, with conversion occurring later based on the recipient’s needs and local regulations.

Conversion Without Holding Digital Assets

Johnson also noted that Ripple can handle conversions on behalf of clients. This means businesses don’t have to hold XRP or stablecoins themselves.

In a U.S.-to-international payment, a company could send funds in fiat, while Ripple’s system manages the conversion behind the scenes, enabling payments to arrive faster and more efficiently.

The executive said these features can improve traditional cash and fiat payouts, especially for cross-border transactions where speed and liquidity are common challenges.

By using XRP or stablecoins as a bridge, Ripple Treasury aims to accelerate settlement while giving recipients the option to receive funds in digital assets or local fiat.

“Another Path” for XRP and Stablecoin Adoption

Johnson wrapped up by emphasizing flexibility as a key theme. Clients can start with XRP, use a stablecoin like RLUSD, or rely on Ripple’s conversion tools without holding crypto at all. Each option serves as a practical entry point.

As he put it, the ability to begin with XRP or a stablecoin is simply another path forward. For Ripple, that path is becoming central to its long-term vision for commercial payments.

Ripple Launches Corporate Treasury Platform

In January, Ripple launched Ripple Treasury, a corporate treasury platform for large institutions that blends blockchain payments with traditional cash management.

This marks Ripple’s first major product rollout since acquiring GTreasury for $1 billion in October 2025. It allows businesses to connect digital asset platforms to their systems, much like traditional banks.

One of the platform’s key features is near-instant cross-border settlement. International payments can settle in three to five seconds using Ripple’s RLUSD stablecoin, compared to days with legacy systems.

Ripple Treasury also enhances access to short-term liquidity, supported by Hidden Road, the prime brokerage Ripple acquired last year for $1.25 billion.

Also in January, Ripple’s GTreasury acquired financial automation firm Solvexia to strengthen automated reconciliation and regulatory reporting.

The integration replaces manual, spreadsheet-based workflows with end-to-end automation across treasury, finance, and compliance. Notably, this helps enterprises reduce risk, improve audits, and better manage both fiat and digital assets.