Brad Garlinghouse of Ripple recently made some interesting remarks regarding enterprise adoption of cryptocurrencies. It seems he has reaffirmed the rapid integration of digital assets and stablecoins by financial institutions.

Garlinghouse supported the point made by Ripple’s finance executives. It’s about how corporate CFO offices are starting to seriously evaluate blockchain technology not for speculative value fluctuations, but for actual business operations. Practical applications such as payroll, vendor payments, and streamlining financial workflows are progressing.

This movement also overlaps with Mastercard’s initiatives. The Crypto Partner Program is an initiative involving over 80 crypto companies, fintech firms, and financial institutions. Brad Garlinghouse also emphasizes the importance of this, aiming to accelerate practical use cases like cross-border remittances and B2B payments.

At Ripple’s operational level, activity is accelerating. The stablecoin RLUSD and the native token XRP are now being used in international settlements. There are concrete examples such as pilot projects with Gemini for fiat currency card payments, utilization by financial institutions like SBI Group for international transfers, and expanding remittance infrastructure through partnerships with Nigeria’s RedotPay.

Beyond Ripple’s ecosystem, the wave of stablecoin payments is spreading. Major payment companies are seriously moving forward—PayPal is developing its own stablecoin, and Visa plans to launch a payment platform utilizing USDT and USDC by 2025.

From Brad Garlinghouse’s statements, it’s clear that this is not just a technological trend but a fundamental shift in corporate finance. The shift from speculation to practical use seems to have entered an unavoidable stage.