Ripple Executive Suggests XRP or Stablecoins Provide an Alternative Viable Option

Ripple is signaling fresh momentum around XRP and stablecoins as it expands payment and treasury capabilities for enterprise clients.

During an interview, Ripple Treasury Chief Product Officer Mark Johnson said the company is exploring new funding currencies, payout options, and cross-border payment solutions, with XRP and stablecoins playing a central role.

Key Points

• Ripple explores XRP and stablecoins to boost enterprise payment and treasury solutions.
• Ripple Treasury lets clients convert funds without holding crypto directly.
• XRP or RLUSD can act as a bridge for faster cross-border payments.
• Ripple Treasury platform combines blockchain payments with traditional cash management.

XRP and Stablecoins Central to Ripple Treasury’s Strategy

Johnson confirmed that XRP and Ripple’s RLUSD stablecoin are key assets as Ripple Treasury continues to develop. He explained that the focus isn’t just on holding digital assets but on how they can be used to facilitate smooth currency conversion during payments.

For example, clients could hold XRP or a stablecoin at the start of a transaction, with conversion occurring later based on the recipient’s needs and local regulations. This flexibility allows for more tailored solutions, optimizing payment processes for various markets and reducing the barriers often associated with cryptocurrency transactions.

Conversion Without Holding Digital Assets

Johnson also noted that Ripple can handle conversions on behalf of clients. This means businesses don’t have to hold XRP or stablecoins themselves. Instead, they can operate in a more familiar fiat landscape while enjoying the efficiencies offered by blockchain technology.

For instance, in a U.S.-to-international payment, a company could send funds in fiat, while Ripple’s system manages the conversion behind the scenes. This streamlined process not only enhances the speed of transactions but also reduces the complexities of cross-border payments, addressing common pain points like currency volatility and regulatory compliance.

The executive emphasized that these features can improve traditional cash and fiat payouts, especially for cross-border transactions where speed and liquidity often present significant challenges. Using XRP or stablecoins as a bridge, Ripple Treasury aims to accelerate settlement while providing recipients the option to receive funds in either digital assets or local fiat currencies.

“Another Path” for XRP and Stablecoin Adoption

Johnson wrapped up by emphasizing flexibility as a key theme. Clients can start with XRP, use a stablecoin like RLUSD, or rely on Ripple’s conversion tools without holding crypto at all. Each option serves as a practical entry point, allowing enterprises to gradually integrate digital assets into their payment and treasury operations.

As he put it, the ability to begin with XRP or a stablecoin is simply another path forward. For Ripple, that path is becoming central to its long-term vision for commercial payments, positioning the company as a frontrunner in the evolving landscape of finance.

Ripple Launches Corporate Treasury Platform

In January, Ripple launched Ripple Treasury, a corporate treasury platform for large institutions that blends blockchain payments with traditional cash management. This initiative marks Ripple’s first significant product rollout since its acquisition of GTreasury for $1 billion in October 2025, reflecting their commitment to innovating the financial landscape.

One of the platform’s standout features is near-instant cross-border settlement. International payments can settle in a brief three to five seconds using Ripple’s RLUSD stablecoin, a stark contrast to the days it typically takes with legacy systems. This not only enhances efficiency but significantly improves business cash flow management.

Ripple Treasury also enhances access to short-term liquidity, a crucial element for enterprises operating in dynamic markets. This enhancement is supported by Hidden Road, the prime brokerage Ripple acquired last year for $1.25 billion, highlighting Ripple’s aggressive approach to expanding its financial services capabilities.

Furthermore, Ripple’s GTreasury acquired financial automation firm Solvexia to bolster automated reconciliation and regulatory reporting. This integration aims to replace cumbersome manual processes with end-to-end automation across treasury, finance, and compliance operations, ultimately helping enterprises reduce risk, improve audits, and manage both fiat and digital assets more effectively.