Ripple Strategy: Why the $40B Fintech Giant is Skipping the IPO Train
Rumors of a 2026 Ripple IPO have been quashed by President Monica Long. In a recent interview, Long clarified that the "liquidity and capital" typically sought in an IPO are currently unnecessary for Ripple.
Strategic Highlights:
Financial Health: Ripple holds over
$1 billion in cash and $25 billion in digital assets (primarily
$XRP ).
Wall Street Backing: A recent $500 million fundraise led by Citadel Securities and Fortress Investment Group valued the firm at $40B.
Focus Areas: Ripple is prioritizing the expansion of Ripple Prime, its RLUSD stablecoin, and its newly granted National Trust Bank Charter from the OCC.
While the SEC has wound down its enforcement actions, Ripple’s leadership believes remaining private offers the "agility and flexibility" needed to scale institutional payment rails globally.