The interview, recorded just before Ripple launched RLUSD in 2024, provides insight into Ripple’s strategy, XRP’s role, and the evolving regulatory environment.

Ripple’s Strategic Focus

Garlinghouse explained that Ripple has focused on improving cross-border payments since he joined the company in 2015. Traditional wire transfers are slow and costly, and Ripple’s products aim to reduce friction for financial institutions. XRP serves as the digital asset in this ecosystem, offering scalability and low transaction costs.

Garlinghouse emphasized that Ripple also provides custody solutions for financial institutions and is entering the stablecoin market with RLUSD to expand its enterprise offerings.

Garlinghouse also addressed a common confusion between Ripple, XRP, and the XRP Ledger. Ripple is the company building solutions for financial institutions. XRP is a digital asset, while the XRP Ledger (XRPL) is the open-source network.

Swap your Bitcoin for XRP before it's too late. pic.twitter.com/S4mAQXsBWo

— John Squire (@TheCryptoSquire) January 26, 2026

XRP ETFs and Institutional Adoption

The interview also covered the rise of XRP ETF filings. Garlinghouse described ETFs as a step toward institutional adoption. He pointed out the Bitcoin ETF’s success, noting it reached $10 billion in assets faster than any other ETF in the U.S.

He described XRP ETF as inevitable at the time, and his prediction came shortly after the end of the Ripple lawsuit. In late 2025, multiple spot XRP ETFs were approved and launched, with notable records.

Stablecoin Launch and Market Growth

Garlinghouse noted that the stablecoin market has grown from $120 billion to nearly $200 billion and could reach several trillion in five years. The market has grown much more since then, and RLUSD has become one of the top players in the stablecoin space.

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According to the CEO, Ripple intends to make RLUSD robust, efficient, and reputable, leveraging its large balance sheet and trusted brand to support adoption. He confirmed that the company will integrate the stablecoin within its enterprise products, alongside XRP, enhancing transaction efficiency for financial institutions, and Ripple has kept that promise.

Long-Term Perspective and Regulatory Support

Both leaders emphasized a long-term approach to crypto adoption. Garlinghouse explained that mass adoption will follow ease of use and infrastructure improvements, while Yoni Assia highlighted the role of regulation in enabling financial institutions to participate.

With a more favorable regulatory environment, XRP is set to dominate the market. Ripple’s grand vision for XRP and ecosystem makes XRP an appealing asset, and supports Squire’s view that investors should sell their Bitcoin for XRP.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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Beyond many investors’ expectations, the value of cryptocurrencies has surged during the last ten years. Our goal is to clarify this idea.

If you decide that investing in cryptocurrency suits you, this beginner’s guide will show you how it works and how to invest in this innovative crypto concept.

Read Also: Senator Toomey Slams SEC Chair For Classifying Most Crypto as Security

What Exactly Is Cryptocurrency?

Cryptocurrencies, in theory, are digital assets that are stored and traded online. It’s a digital asset that, like stocks and bonds, has the potential to increase in value or decrease in value.

A cryptocurrency employs a virtual “coin,” “token,” or “unit,” unlike a traditional currency, which consists of paper banknotes and real coins. You can buy a coin, token, or unit from any business that supports crypto transactions. You can trade, buy, or sell with other cryptocurrency owners—much like stock transactions in corporate America.

The fact that cryptocurrencies are “decentralized” distinguishes them from traditional money (apart from the absence of real money). The money is not under the control of a single entity.

The world’s most extensive and widely used cryptocurrency system is, by far, Bitcoin. According to some financial professionals, an “altcoin” is any cryptocurrency that is not Bitcoin and that demonstrates Bitcoin’s power.

Read Also: Hit the Ground Running With These Crypto Gems in Your Pocket: Big Eyes Coin, Polygon (MATIC), and Tezos (XTZ)

What Influences a Cryptocurrency’s Worth?

You may be interested in learning what influences a cryptocurrency’s worth.

Market considerations decide the value of the majority of assets. Take the housing market, for instance. What factors affect a property’s value? A property’s value may improve if it is in the desired location, is more opulent, or is situated in an area where home values are projected to rise.

The value of cryptocurrencies is also linked to the market, and the local economy has no bearing on tangible assets. Additionally, the worth is unrelated to business revenues. The willingness of people to purchase cryptocurrency units determines the value of each unit.

Both new and seasoned investors find this concept to be perplexing. But for high-risk investors who routinely deal with erratic assets, it’s not such a wild idea.

A “volatile asset” is one whose value could vary significantly and quickly. A frequent (and more “socially acceptable”) volatile asset class is penny stocks. They frequently carry too much danger for the typical investor, but for the Wall Street wolves who closely monitor market action, they can provide extraordinarily high rewards.

Like stocks, cryptocurrency can produce enormous profits for investors who take advantage of market upswings.

Read Also: Bitcoin Millionaires That Are Reshaping the Crypto Ecosystem

What Are The Requirements For Investing In Cryptocurrency?

Beginner investors may find the concept of cryptocurrencies intimidating, but there aren’t many criteria to get started. You only need the following to understand how to invest in cryptocurrencies:

• Your Identification cards
• Details about a bank account
• a safe connection to the internet

These are all you need to begin your journey in crypto investing! Additionally, you can buy cryptocurrencies through a stockbroker.

In this situation, most of your financial and personal data will already be on record. Let’s start investing now that you have all you require.

Three Steps For Investing In Cryptocurrency

If you’ve decided to invest in cryptocurrencies, you’d need to adhere to the following steps to commence your journey;

Step 1: Select A Cryptocurrency Exchange

Like picking a stock broker, you must first choose an exchange to make crypto transactions. You can create an account with your chosen exchange once you decide where to start investing in cryptocurrencies. There are many choices available to you, but the most well-known cryptocurrency exchanges are:

• Coinbase
• Binance
• Kraken
• Gemini
• GDAx
• Bitfinex

Step 2: Start Investing in Cryptocurrencies

Using your debit card to buy cryptocurrency is possible thanks to these exchanges. In most cases, you have the option of selecting among a variety of cryptocurrencies, including Bitcoin and Ethereum. You may spend numerous thousand dollars on a single coin. 

However, a fraction of a coin can be purchased on most exchanges, making it much more accessible for novice investors. Every transaction you make on an exchange will include costs, just like with a stockbroker.

Step 3: Hold Your Cryptocurrency Safely Within A “Wallet”

Your exchange will update your “wallet” once you’ve made a cryptocurrency purchase. Of course, it’s not your actual wallet; instead, you’ll get a virtual wallet when you sign up for an exchange account. The codes for every coin you own will be stored in the wallet.

Both hardware and software wallets exist. To hold your cryptocurrency, all you need is a software wallet. To engage in active trading, you must have one, which you usually receive when creating an exchange account.

The physical storage of cryptocurrency is provided via hardware wallets. Except if you’re purchasing a significant amount of cryptocurrency, it is unnecessary despite looking like a USB drive and being safer than a software wallet.

Read Also: New Crypto To Compete With Polkadot And UNUS SED LEO – Introducing LYNQYO

Conclusion

To sum it up, cryptocurrency is on the trend as the new kid in town, which everyone wants to hop on. Due to its underdeveloped nature, now is the best time to participate in this revolutionary innovation.

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CEO Saylor announced the new whooping acquisition via a tweet on Wednesday. According to report, the new purchase has brought MicroStartegy’s Bitcoin holding to approximately 129,699 BTC. The coins were bought at an average price of $30,664.

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Michael Saylor tweeted, “MicroStrategy has purchased an additional 480 bitcoins for ~$10.0 million at an average price of ~$20,817 per Bitcoin. As of 6/28/22 MicroStrategy holds ~129,699 bitcoins acquired for ~$3.98 billion at an average price of ~$30,664 per bitcoin.”

This is the first purchase initiated by the firm since April 2022 when it acquired a total of 4,167 BTC worth relatively $190.5 million at the time, with an aggregate purchase price of approximately $3.98 billion, according to an 8-K filing with the SEC.

The recent filing also says that the average purchase price of MicroStrategy’s holdings is now $30,664 per BTC, including fees and expenses.

Read Also: MicroStrategy CEO Michael Saylor: “I Will Be Buying Bitcoin (BTC) At the Top Forever”

In a conversation with The Block in May, Saylor pointed out that the near-term volatility of Bitcoin (BTC) is irrelevant to those who understand its fundamentals.

In the course of the conversation according to The Block, Saylor said MicroStrategy is far from facing a margin call as some people in the crypto space insinuated. He also dismissed the notion that the company would sell its Bitcoin holdings.

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According to Colin Wu, a popular crypto reporter known on Twitter as Wu Blockchain, Luna Foundation has purchased an additional 4,130 BTC, which brings the Bitcoin holdings of the foundation to 39,897.98 BTC.

Read Also: World’s Richest Non-Exchange Bitcoin Whale With 5.5 Billion BTC Holdings Accumulates 3,241 BTC in a Day

Colin Wu tweeted, “According to OKLink, address marked as Luna Foundation (bc1q9d4ywgfnd8h43da5tpcxcn6ajv590cg6d3tg6axemvljvt2k76zs50tv4q) added a total of 4130BTC, and the current balance of this address is 39,897.98BTC. The last time LFG accumulated BTC was on April 6th.”

According to OKLink, address marked as Luna Foundation (bc1q9d4ywgfnd8h43da5tpcxcn6ajv590cg6d3tg6axemvljvt2k76zs50tv4q) added a total of 4130BTC, and the current balance of this address is 39,897.98BTC. The last time LFG accumulated BTC was on April 6th https://t.co/3t4x4XVunp

— Wu Blockchain (@WuBlockchain) April 10, 2022

Considering the current price of Bitcoin, the number of BTC currently held by the foundation is worth relatively $1.7 billion.

This implies that Luna Foundation still has to buy more BTC worth $8.3 billion to meet its target of $10 billion and become the second-largest holder of Bitcoin after Satoshi.

Read Also: Billionaire Mike Novogratz Explains Why He Expects Bitcoin to Massively Outperform His Earlier Predictions For 2022

It can be recalled that Terra founder Do Kwon said in a tweet a few days ago that the foundation was on the cusp of purchasing $3 billion worth of Bitcoin after announcing that Terra’s major plan is to accumulate $10 billion in BTC.

Kwon tweeted, “It’s not $10 billion today – as UST money supply grows a portion of the seigniorage will go to build BTC reserves bridged to the Terra chai. We have $3 billion funds ready to seed this reserve, but technical infrastructure (bridges etc) is still not ready yet.”

Kwon also told Udi Wertheimer in an interview that it’s safer to establish reserves in Bitcoin (BTC) than any other crypto asset. According to the CEO, Bitcoin will backstop short-term UST redemptions.

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