XRP Is Ripple’s ‘North Star,’ Garlinghouse Tells Community

• Garlinghouse called XRP Ripple’s North Star linking Payments Prime and Treasury products around XRP and RLUSD.

• Ripple is advancing institutional use cases including XRPL tokenization with Aviva Investors.

• He sees renewed momentum for the CLARITY Act tying regulatory clarity to XRP adoption plans.

Ripple CEO Brad Garlinghouse said XRP sits at the center of Ripple’s strategy during XRP Community Day discussions. Speaking on X Spaces, he outlined how Ripple aligns payments, custody, and lending products around XRP and RLUSD. The remarks came during a live online event, as Ripple also tracks progress on U.S. crypto legislation, including the CLARITY Act.

XRP Anchors Ripple Payments, Prime, and Treasury

Garlinghouse told listeners that XRP acts as the “North Star” guiding Ripple’s product development. He said Ripple Payments links directly to activity on the XRP Ledger, including decentralized exchange functions using permissioned domains.

Notably, he described these systems as designed to increase transaction efficiency and liquidity. He then shifted to Ripple Prime, explaining its role in supporting XRP-based collateral and lending activity.

According to Garlinghouse, the product focuses on institutional use cases that rely on liquidity depth. Next, he pointed to Ripple Treasury, which supports payment flows involving XRP and RLUSD within corporate treasury systems.

Together, he said these products aim to expand trust and utility around XRP. He added that Ripple views itself as financial infrastructure, rather than a crypto-first firm. However, he emphasized a focus on regulatory compliance and institutional standards.

Institutional Focus and XRPL Tokenization Efforts

Continuing his remarks, Garlinghouse highlighted Ripple’s work with Aviva Investors. He described the firm as one of the world’s largest asset managers. According to Garlinghouse, Aviva Investors is tokenizing assets on the XRP Ledger.

He tied this effort to Ripple’s broader institutional strategy. Specifically, he said Ripple designs its infrastructure to meet enterprise requirements for custody, settlement, and compliance. As a result, XRP and RLUSD remain embedded across Ripple’s platforms.

This institutional focus connects directly to Ripple’s view of liquidity management. Garlinghouse said liquidity and trust remain critical for scaling blockchain-based financial systems.

CLARITY Act Timeline and Policy Discussions

Garlinghouse also addressed U.S. crypto legislation during the event. He said he expects renewed momentum for the CLARITY Act. Notably, he estimated a “75%” chance the bill could approach final approval by late April.

His comments followed statements from Ripple Chief Legal Officer Stuart Alderoty. Alderoty said recent White House discussions showed progress toward compromise language. Additionally, White House advisor Patrick Witt thanked participants from crypto and banking sectors, adding that work on the bill continues.

Garlinghouse linked regulatory clarity to Ripple’s long-term planning. He said clear rules remain important for institutions adopting XRP-based financial infrastructure.