In a conversation with CNBC’s Arjun Kharpal, Ripple President Monica Long outlined the company’s post-announcement agenda, detailing the potential U.S. initial public offering (IPO), US-Bollar Stablecoin rlusd, and actively advancing the realistic Asset-Asset tokenization tokenization tokenization tokenization ripphing ripple Ripple’s Roadmap.
Ripple IPO: On the table, but not urgent
Long joined Ripple 12 years ago with co-founder Chris Larsen after the peer-to-peer lender boom, recalling the bank’s “Slam[med] When Ripple first built on blockchain-based cross-border settlements in 2014, the door on our faces. Ten years later, she said: “Banks know it will be the future of finance, so they embraced it even more,” the transition was the background for Ripple’s current expansion to Custody, Custody, Custody, Stablecoins, Stablebecoins and Tokekenization and Tokenization and Tokenization.
Although CEO Brad Garlinghouse previously linked the IPO to the end of the Ripple legal dispute with the SEC, people have long been rushing to go public. “At this moment, we have a lot of liquidity…billions of dollars in cash,” she told Hapal.
So the company focuses on inorganic growth – “We are in a use,” she added, than raising new capital in the public market. Nevertheless, it has long been acknowledged that improved U.S. policy signals have reopened domestic opportunities that have effectively closed down during the SEC litigation.
Since Judge Analisa Torres ruled in July 2023 that “XRP itself is not security”, Ripple has resumed our recruitment and deeper engagement with Bank of America. “In order to modernize the infrastructure of financial institutions, it is unrealistic for existing systems like banks to plug directly into the blockchain. They do require some connective tissue we provide,” Long added.
Focus on RLUSD
Ripple’s entry into the stable value arena came through Ripple USD (RLUSD), and now hovered at a market value of USD 300 million. Long said the decision to launch was from the on-site payment corridor of Latin America-Asia-Asia trade lane, where counterparties “will rather trade in dollars rather than local currencies, which is very turbulent.” She positioned RLUSD as a 24/7 liquid railroad for companies in today’s journalist bank stacks that are bound by “bank deadlines, nights and weekends.”
She acknowledged that the explosive growth of stabilizing the market was driven by cryptocurrency transactions, but stressed that Ripple’s bets were “really institutionally” but named cross-border payments and mortgage management as the core RLUSD use case.
The strategy received an immediate acquisition through Ripple’s $1.25 billion deal to acquire Prime Broker Hidden Road, which has cleared about $3 trillion in the year. Long noted that Hidden Road customers demand profits as traditional assets on-chain – the app can accelerate the RLUSD cycle without competing with giants in the retail industry.
Symbolization and regulatory background
Long also reiterated the company’s belief that blockchain will evolve into a “modern financial railway” with marked capital market tools as the next boundary. Ripple is providing custody and issuing software to banks such as SG Forge, which enables them to mint and manage digital representations of stocks, bonds and other securities while retaining control over product design.
The focus is “sewn together the infrastructure between traditional systems and chains,” she said, a theme that has multi-function tokens and native lending agreements in the upcoming XRP ledger amendment.
Although Ripple is primarily an organizational focus, Long does not rule out future retail touchpoints. She quipped that she still had “a small portion of Banks starting from the height of NFT Day,” which underscores personal passion for the score ownership model, even as the company focused on the back-end pipeline.
President Ripple painted a U.S. climate improvement, praising the rollback of SAB 121 and the melting of SEC law enforcement strategies. She also pointed to bipartisan momentum to create a stability bill and pointed to Washington’s proposed “crypto-strategic reserves,” which explicitly cites XRP in the assets under consideration. “Most importantly, it confirms the legitimacy of the assets,” she observed.
Overview of Ripple’s long-term observation spirit, emphasizing the durability of the hype cycle: “If we build something that solves problems and has real practicality behind it, then everything else makes ourselves a classification.” In 2025, the utility narrative revolves around RLUSD’s institutional railroad, massive token pilots and prospects (once it’s unthinkable) of the prospect (incredibly) holding XRP-LEDGER assets on its balance sheet.
At press time, XRP is $$
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