Garlinghouse reiterates XRP's central role, frames RLUSD and XRP as complementary on the same ledger; RLUSD expands with Coinbase, Robinhood, and BNY Mellon; OCC approves Ripple National Trust Bank for reserve and custody; 2026 revenue near $900M.
Abstract:
This article summarizes Brad Garlinghouse's remarks at Ripple Swell 2026, asserting that XRP will not be abandoned and that RLUSD and XRP serve complementary purposes on a shared network. It details RLUSD’s expansion through Coinbase, Robinhood, and BNY Mellon collaborations, the OCC-approved establishment of Ripple National Trust Bank to manage reserves and custodial functions, and the continued regulatory distinction with Standard Custody & Trust Company handling RLUSD issuance. It also highlights Ripple’s forecast of approximately $900 million in annual revenue by 2026 and over $16 trillion in transactions in 2025, underscoring a strategy to push more institutional activity onto blockchain infrastructure while keeping XRP central to payments.