Ripple CEO says $13 trillion in payments processed, only 0.1% use XRP

Crypto investor Emily renewed her criticism of XRP’s adoption following new remarks by Ripple CEO Brad Garlinghouse at the Ripple Swell event. After Garlinghouse announced that Ripple Treasury processed $13 trillion in payments during 2025, almost all of which occurred outside of cryptocurrency payment networks, Emily argued that these figures highlight longstanding issues with XRP’s real-world utility. Emily, who first invested in XRP at age 26 and is now 38, wrote on social media that little has changed over the years regarding price and adoption. She said that after holding XRP for more than a decade, the token still trades close to $1 and largely follows the broader market movements set by Bitcoin .

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