The XRP Ledger (XRPL) has a massive opportunity in 2026 to grow its on-chain activity exponentially as Ripple Labs accelerates its integration with Ripple Treasury, formerly G Treasury.
The network, which uses XRP as its native token, stands to gain more real-world traction from Ripple Treasury, which processed $13 trillion last year in payments. Moreover, Ripple Treasury was acquired for about $1 billion in October 2025 to serve large enterprises, including Fortune 500 companies, with regulated liquidity management on the XRP Ledger.
“Last year, G Treasury orchestrated $13 trillion of payments. Zero percent of those were through stablecoins or crypto. That’s the opportunity,” Brad Garlinghouse, CEO of Ripple, stated in a recent interview.
As of April 3, this enterprise treasury management platform had already begun to adopt digital assets, led by Ripple USD (RLUSD) and XRP, to reduce payment friction. Earlier this week, Ripple unveiled Digital Asset Accounts and Unified Treasury within Ripple Treasury, the first digital asset features built natively into a treasury management system.
What’s the implication of XRP Ledger growing through Ripple Treasury?
The most direct impact of Ripple Treasury’s adoption of XRPL is an expected increase in on-chain transactions, a development with long-term bullish implications for XRP. Because Ripple Treasury routes institutional payments through the XRP Ledger, each dollar of processed volume translates into direct network activity. Already, the XRPL recorded strong transaction growth in the first quarter of 2026, fueled by payments, as Finbold previously reported, with further growth anticipated.
As such, the expected increase in institutional demand for XRP could catalyze bullish sentiment around XRP in 2026. Moreover, more fund managers intend to increase their XRP exposure this year, as Finbold highlighted.
Meanwhile, the Ripple USD (RLUSD) stablecoin, which carries a market capitalization of approximately $1.4 billion at press time, could see further market cap expansion in 2026 as XRPL use cases rise through Ripple Treasury.
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