Ripple CEO Calls Out Jamie Dimon As XRP Eyes a Multi-Trillion Dollar Opportunity

Jamie Dimon has spent a decade dismissing crypto, and Ripple CEO Brad Garlinghouse has recently pushed back.

Crypto pundit BankXRP (@BankXRP) shared a Fox Business interview with Maria Bartiromo where Garlinghouse accused the JPMorgan chief of “intentional misrepresentation” over his opposition to the CLARITY Act.

Garlinghouse pointed out that JPMorgan generates $20 billion in annual revenue from payments, with over $5 billion in profit. Dimon is protecting that business by criticizing and fighting the cryptocurrency market.

The CLARITY Act and What It Unlocks

Garlinghouse said Dimon’s claim that the CLARITY Act weakens compliance is flat wrong. He argued the legislation does the opposite. It gives CFOs, treasurers, and bank executives the certainty they need to engage with crypto without fear that a future regulator could revive the kind of attacks the industry faced under Gary Gensler.

Without that clarity, Ripple has still grown significantly. However, most of that growth is outside the U.S. He expects the company to close 2026 with a $1 billion revenue run rate, excluding XRP holdings. He also pointed out that 90% of crypto trading currently happens offshore. The CLARITY Act, which was recently added to the Senate Legislative Calendar, would pull more of that activity under U.S. consumer protections.

Ripple Treasury and the $13 Trillion Gap

BankXRP highlighted one figure from the interview that stood out. Ripple Treasury processed $13 trillion in legacy payment volume in 2025, with 0% moving on-chain. Garlinghouse described Ripple Treasury as a CFO’s dashboard, giving corporate clients a single view of their currencies and liquidity across global bank accounts. Those CFOs are now asking how stablecoins fit into that picture.

That question puts RLUSD, Ripple’s stablecoin, directly in focus. Launched in late 2024, it has crossed $1 billion in market cap and already reached top-five status. Garlinghouse noted that even Dimon now acknowledges stablecoins will be “an integral part of our future payment system.”

AI Agents and XRP’s Future

Ripple has also launched an AI starter kit for the XRP Ledger, providing a curated set of developer tools for building AI agent-powered payment applications.

Garlinghouse said the space is still early and that real structure needs to exist before people connect bank accounts to AI agents. He also noted that Mastercard has partnered with roughly 30 companies, including Ripple, to help build that infrastructure.

The CEO revealed that Ripple is not actively chasing new acquisitions. After multiple large purchases, he said the priority is integration. The balance sheet remains strong in both dollars and XRP, and he made clear the company will stay alert as the industry continues to develop.

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