Ripple President Says Stablecoins Will Power Global Settlement

TheNewsCrypto2026-01-21 tarihinde yayınlandı2026-01-21 tarihinde güncellendi

Özet

Ripple President Monica Long asserts that stablecoins are set to become the foundation of global settlement systems, rather than an alternative payment rail. She emphasizes that fiat-pegged tokens will serve as the core infrastructure for cross-border transactions, with major institutions like Visa and Stripe integrating them into payment flows. Long predicts that within five years, stablecoins will be fully integrated into global payment systems as the default settlement layer. She also highlights the crypto industry's shift from a speculative phase to a "production era," marked by increased institutional adoption and practical utility. By 2026, she expects significant crypto integration among Fortune 500 companies, including tokenized assets, on-chain treasury bills, and programmable financial instruments directly embedded into corporate workflows. This transition positions crypto as the operating layer of modern finance.

The President of Ripple, Monica Long, has mentioned in a new thread on X that stablecoins will be the base of global settlement, not an alternative rail, mounting fiat-pegged tokens as the pillar of cross-border money movement instead of just a side experiment.

She highlighted Visa, Stripe and other prominent institutions so far, hardwiring them into payment flows and recognising business-to-business transactions as the growth engine, having corporates leverage digital dollars to unlock real-time liquidity and capital efficiency.

The thesis of Long lines up with a wider post on the website of Ripple, where she mentions that within about five years, stablecoins will be completely amalgamated into global payment systems and function as the default settlement layer for holders and fintechs.

Meanwhile, other analysts mention that regulated stablecoins are increasingly being made to directly integrate into bank and card-network rails, obscuring the line between crypto infrastructure and traditional clearing systems.

The Further Forecasts

Long withstands that the industry is withdrawing completely from the speculative phase and setting its foot into what she calls a production era of crypto. She also mentions that after one of the most exciting years witnessed by crypto, the industry is going into its production era.

She has also forecasted that in this year, we will witness the institutionalisation of crypto-trusted infrastructure, and actual utility will propel banks, corporates and providers from pilots to scale.

Crypto is no longer unpredictable; it is the operating layer of modern finance, she further states in a follow-up post, speculating that about 50% of Fortune 500 companies will have some form of virtual asset exposure or a formal “DAT strategy” by this year.

She further proposes that they will comprise tokenised assets, on-chain treasury bills, stablecoins and programmable financial instruments implanted directly into corporate treasury and capital-markets workflows.

The written outlook of Long at Ripple associates these themes altogether, mentioning 2026 as a defining year in which stablecoins will power global settlement.

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İlgili Sorular

QWhat does Ripple's President, Monica Long, predict will be the foundation of global settlement?

AStablecoins will be the base of global settlement, not an alternative rail.

QAccording to the article, what is the role of stablecoins in the future of cross-border money movement?

AStablecoins will be the pillar of cross-border money movement, not just a side experiment.

QWhat does Monica Long call the new phase that the crypto industry is entering?

AShe calls it the 'production era' of crypto, moving away from the speculative phase.

QWhat percentage of Fortune 500 companies does Long speculate will have some form of virtual asset exposure by this year?

AAbout 50% of Fortune 500 companies will have some form of virtual asset exposure or a formal 'DAT strategy'.

QWhat year does the Ripple outlook mention as a defining year for stablecoins powering global settlement?

A2026 is mentioned as a defining year in which stablecoins will power global settlement.

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The Value Distribution of Stablecoins

**Summary: The Value Distribution of Stablecoins** The article argues that stablecoins are evolving from mere trading tools into broader channels for dollar access. It divides the stablecoin ecosystem into four layers to analyze how value is distributed: 1. **Issuance Layer:** Mints stablecoins, holds reserve assets, and captures the spread between reserve yield and user costs (e.g., Tether, Circle). This layer currently earns the largest profit margin. 2. **Infrastructure Layer:** Connects stablecoins to the traditional financial system, handling fiat on/off-ramps, banking integration, compliance (KYC/AML), and asset management (e.g., Bridge, BVNK). This is the "unglamorous" but critical work, building the essential bridges between crypto and real-world finance. 3. **Acquiring/Distribution Layer:** Integrates stablecoins into merchant systems, manages payment flows, and provides enterprise financial software (e.g., Stripe, Coinbase). They act as the access point for businesses. 4. **Application Layer:** The end-users and businesses that ultimately use stablecoins for payments, settlements, or as a store of value. They benefit from convenience but have little pricing power. The core thesis is that while the issuance layer currently dominates profits, the often-overlooked **infrastructure layer holds significant long-term potential**. The real challenge and barrier to mass adoption is not the on-chain transfer of stablecoins (which is simple), but the complex "last mile" integration into existing business workflows, banking systems, and regulatory frameworks across different countries. Companies in this layer are currently in a "land grab" phase, investing heavily to build networks, secure bank partnerships, and establish compliance pathways. While their position is currently pressured by the profitable issuers above and distribution platforms below, the article suggests that if stablecoins become a default financial rail for businesses, the infrastructure providers who have done the hard work of integration will ultimately gain strong pricing power and become entrenched, essential players.

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