Ripple CEO Brad Garlinghouse highlighted XRP’s bullish momentum and expanding institutional adoption during an appearance on Fox Business’ “Mornings with Maria,” pointing to legal clarity, stronger corporate engagement, and relative market performance as key factors supporting the digital asset’s position in the United States.
“Ripple has been fortunate,” Garlinghouse stated. “We got sued by the U.S. government and had a federal judge say XRP is not a security. We have clarity. That’s brilliant.” He emphasized:
“ XRP is not a security, and that’s what the courts ruled very clearly, so we were very happy to have that.”
“But the whole industry can’t live in limbo, so our argument is the Clarity Act needs to get done for the industry to thrive here in the United States,” he stressed.
Garlinghouse described the difference between securities and non-securities oversight, noting that securities typically grant ownership rights, dividends, and governance participation, which he argued do not apply to most crypto assets. He contended that efforts to regulate digital assets under decades-old securities laws were misguided and ultimately unsuccessful in court.
Addressing parallel developments, he noted: “The stablecoin market got that clarity in the GENIUS Act, but the crypto and blockchain industry in the United States needs the same clarity that Ripple had to fight for in the courts.” He further explained: “I think trying to push it into a securities framework that was developed literally 80, almost 100 years ago, never made sense. And I think the courts have clarified that. And if we get the Clarity Act passed, I think the whole industry can continue to thrive here.”
Discussing performance and adoption trends, Garlinghouse detailed: “Ripple had a tremendous year in 2025, and we’re starting 2026 in a really strong place because there’s more interest from CFOs and treasurers and even boards of directors saying, ‘Hey, how could we be using these technologies to make our systems more efficient?’”
He characterized stablecoins as the starting line for broader blockchain adoption and indicated they represent the entry point for corporate experimentation with digital assets. Garlinghouse conveyed that while stablecoins serve as the initial step, blockchain and crypto infrastructure have the potential to transform payments more broadly, with demand emerging from corporate treasury departments and from prime brokerage services focused on providing liquidity.
“Ripple, partly through some acquisitions we did last year, is in a really strong spot as we start the year,” he further shared, noting:
“ XRP actually has been the best performing major crypto this year.”
While noting that XRP is “down about 20%,” he contrasted that “ ETH, for example, is down about 33%.”
As of writing, bitcoin trades at $66,368, down 24% year-to-date, while ethereum changes hands at $1,979, off more than 33% this year. Solana stands at $84.94, reflecting an almost 32% decline, and XRP trades at $1.37, down nearly 26% year-to-date. XRP was the top-performing major crypto when Garlinghouse made the statement, but that relative strength shifted after a broad market sell-off tied to war developments and escalating military operations in the Middle East. During the geopolitical volatility, bitcoin showed greater resilience, trimming its losses and moving ahead of XRP on a year-to-date basis.
The Ripple chief executive concluded: “I think the more we demonstrate real practical utility using these technologies to solve real problems, the more you’re going to see that play out in a positive way.”
- Why does the court ruling on XRP matter for investors?
It provides legal clarity that XRP is not a security, reducing regulatory risk around Ripple’s core asset. - How could the Clarity Act impact the crypto market?
Clear federal rules could unlock broader institutional participation and long-term capital flows into digital assets. - What does XRP’s performance signal compared with ethereum?
XRP’s smaller decline suggests relative resilience amid ongoing regulatory uncertainty. - How is Ripple positioning for future crypto adoption?
The company is expanding into liquidity, prime brokerage, and blockchain-based payments to capture institutional demand.
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