Ripple CEO Brad Garlinghouse has set a hard target for the company: to reach $1 billion in recurring operating income by the end of 2026. Such a plans were published on CoinMarketCap, with the top executive especially emphasizing that this billion will not include XRP token sales or holdings.
This move definitively separates the company’s commercial success from the price of the cryptocurrency closely associated with it. The Ripple team is building a classic fintech business based on selling software and infrastructure, one that should generate profit in any market storm.
Inside Ripple’s business metrics
The foundation for this was laid in the first quarter of 2026, when the company’s total valuation jumped to $50 billion. The launch of the Ripple Prime brokerage service played a role, with its revenue tripling after integration with the Hidden Road platform.
Ripple’s main clients are not ordinary traders, but corporate treasurers from the Fortune 500 list. Through the company’s payment rails, they have already moved more than $100 billion, managing currencies and liquidity through a single application.
At the same time, Ripple is developing its dollar stablecoin RLUSD, which in a year and a half has climbed into the top five by growth rate in the market. Based on the XRP Ledger network, the team has also launched the AI Starter Kit tool in order to be among the first to accept automatic payments from AI robots in the future.
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Garlinghouse is now actively lobbying in Washington for the adoption of the CLARITY Act. According to him, Congress has only about 16 legislative days left before the August recess, and clear rules of the game would finally remove large banks’ fear of lawsuits, bringing crypto activity back to the United States from offshore markets.
Analysts note an amusing paradox: as the XRP token itself declined in price at the start of 2026, while the company’s business was setting records. The ability to earn $1 billion without looking at exchange charts may finally prove that Ripple has outgrown the status of an ordinary blockchain startup.
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