Ripple’s Treasury division manages $13 trillion in annual fiat payments for legacy corporate clients, representing a massive pool of volume that has yet to migrate to XRP or stablecoin rails.

Banks adopting Ripple’s infrastructure in 2026 have been settling in RLUSD and fiat rather than XRP, meaning the CLARITY Act is the only catalyst that could redirect the $13 trillion toward the token.

At just 5% adoption through On-Demand Liquidity, $650 billion in annual payment flows would run through XRP as a bridge currency.

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Ripple (CRYPTO: XRP) has never been in a stronger position as a company, with a $50 billion valuation, a record first quarter, and a treasury platform that processed $13 trillion in payments last year. In a recent FOX Business interview, CEO Brad Garlinghouse pointed to that $13 trillion and the fact that zero percent of it moved through crypto as the biggest untapped opportunity in finance. He called stablecoins crypto's "ChatGPT moment" and reiterated that XRP is Ripple's "North Star."

If you hold XRP, you have heard versions of this story before—Ripple lands a massive deal or announces a record quarter, and the XRP price stays mute or drops. The token is down over 60% from its mid-2025 high while Ripple itself has gotten 25% more valuable. So the real question with the $13 trillion amount is if any of it actually impacts XRP in any way.

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Ripple bought a company called GTreasury for $1 billion in October 2025 and rebranded it as Ripple Treasury. It is a platform that Fortune 500 companies use to track cash flows, manage risk, and move funds across borders.

In 2025, the platform processed $13 trillion in payments, and every single dollar moved through traditional banking rails that take three to five days to settle. None of it used stablecoins or any form of crypto. Garlinghouse highlighted that if even a small fraction of that $13 trillion migrates onto blockchain rails that settle in one minute instead of five days, the amount of money flowing through crypto infrastructure would dwarf anything the market has seen.

The corporate demand for faster settlement is not just a Ripple talking point either. Garlinghouse said that Fortune 500 boards and CEOs are now actively pushing their treasurers to explore stablecoins. A Ripple survey of over 1,000 financial leaders in March found that 74% see stablecoins as key tools for improving cash-flow efficiency.

Ripple launched its own stablecoin, RLUSD, after discovering that its payment operations were contributing up to 20% of USDC flows, and RLUSD has since grown to a $1.5 billion market cap in under a year. The corporate interest and the infrastructure are clearly there, but the part that matters most for XRP holders and investors is which asset ends up carrying that $13 trillion when it does start moving—XRP or RLUSD?

Ripple has one product that creates real buying and selling demand for XRP, and that is On-Demand Liquidity. ODL works by converting the sender's currency into XRP, moving it across the XRP Ledger in seconds, and converting it back into the recipient's currency on the other side. If Fortune 500 treasury teams using Ripple's platform start routing payments through ODL, every transaction would generate actual XRP demand.

At just 5% adoption of the $13 trillion in annual volume, that would mean $650 billion in payment flows running through XRP each year. But will corporate choose ODL and XRP over settling in RLUSD. Companies managing billions in treasury operations typically want stability, and a volatile crypto token is a hard sell when a dollar-backed stablecoin holds its value regardless of what the market does.

Banks that adopted Ripple's infrastructure in early 2026, including Deutsche Bank and Société Générale, have been settling in RLUSD and fiat so far rather than using XRP as a bridge currency. If the $13 trillion migrates to crypto-enabled rails but settles entirely in RLUSD, Ripple wins and XRP does not.

The one thing that could shift the balance is the CLARITY Act. If the bill passes and formally classifies XRP as a digital commodity under federal law, it gives U.S. banks the legal framework they need to run ODL corridors with XRP directly. Without that law, fiduciaries will keep defaulting to stablecoins because the legal risk of using a volatile token for corporate settlement is too high. Garlinghouse has been pushing for passage by the end of April, but the Senate is in recess until April 13 and the Banking Committee markup has not been formally scheduled.

The opportunity is there, but right now the evidence points toward RLUSD capturing most of the value rather than XRP. Banks are already settling on Ripple's infrastructure using stablecoins and fiat, and until there is a federal law that gives fiduciaries the legal cover to use XRP directly, that is unlikely to change.

What makes this different from every previous Ripple announcement that haven’t impacted XRP is that the mechanism to connect Ripple's success to XRP demand actually exists now through ODL—it just has not been switched on at scale. If the CLARITY Act passes, you would be holding the only liquid, publicly tradable asset that gives you exposure to $13 trillion in corporate payment flows moving onto crypto rails. If it does not pass, you are holding a token that tracks sentiment about Ripple without capturing any of the revenue Ripple generates.

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