Brad Garlinghouse is not the type of CEO who backs down when things get tough. While XRP plummeted from its January highs and the entire crypto market turned into a chaos of geopolitical uncertainty, the guy remains steadfast in his message. And that’s what makes following everything so interesting.

At the beginning of the year, in Davos, he presented XRP in a way few expected to hear. Not as just another speculative asset, but as real financial infrastructure for an increasingly fragmented world. His point was strong: stablecoin volume went from US$ 19 trillion in 2024 to US$ 33 trillion in 2025. 75% year-over-year growth is not noise. It’s a trend. And even so, according to Garlinghouse, institutional interest from giants like BlackRock and Vanguard was not yet fully reflected in the prices. When XRP retreated to US$ 1.85, he didn’t blink.

In February, on Fox Business, he went beyond veiled suggestions. He put his credibility on the line and made a very specific prediction: an 80 to 90% chance that the CLARITY Act will pass through Congress by April. He described XRP as one of the best-positioned cryptocurrencies and reinforced that the entire sector was on the verge of achieving the regulatory clarity it has long sought. On XRP Community Day, he detailed how Ripple would slow down acquisitions and focus on integrating US$ 4 billion in companies purchased during 2025.

March was intense. Garlinghouse traveled across three continents in five days, visiting global offices. The message remained the same, but now with numbers to back it up: Ripple Prime had tripled its revenue rate. “Making XRP more useful, more reliable, with greater utility—that’s our north,” he said. Simple, direct, no frills.

April brought the Semafor World Economy Summit, and Garlinghouse gave a political analysis that was anything but ambiguous. The dispute over stablecoin yields that stalled the CLARITY Act? He saw it as the final negotiation phase. “When people are at the height of frustration, that’s when they finally make concessions,” was his summary. He postponed the timeline to the end of May, the third review of the year, but the direction remained firm.

What stands out is not just the consistency of the messages, but the kind of confidence he conveys. It’s not arrogance. It’s conviction based on real numbers: transaction growth, latent institutional interest, infrastructure developing behind the scenes. Garlinghouse continues betting that when the CLARITY Act passes, it will open the doors for banks worldwide to participate in real crypto. Something much bigger than anything Ripple could do alone.

XRP is now at US$ 1.44. Well away from January’s highs. But if you follow what’s happening in crypto forums, regulatory backdoors, and transaction numbers, the narrative Garlinghouse has been building since Davos makes more sense each month.