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Ripple’s Monica Long Forecasts 2026 ‘Production Era’ With Stablecoins at the Core

She bases the outlook on regulated stablecoin adoption and recent market and regulatory milestones that she says will push institutions from pilots to full deployments.

Overview

  • Long projects roughly half of Fortune 500 companies will have formal digital‑asset strategies by the end of 2026.
  • She forecasts corporate treasuries and balance sheets will hold more than $1 trillion in digital assets by year‑end 2026.
  • She argues stablecoins will become the default settlement layer, citing Visa and Stripe integrations and B2B volumes reaching a $76 billion annualized run rate last year.
  • Her roadmap includes 5% to 10% of capital‑markets settlement moving on‑chain in 2026 as tokenized collateral and repo use cases expand.
  • She expects custody to drive consolidation, with over half of the top 50 banks adding new digital‑asset custody relationships in 2026, pointing to $8.6 billion in 2025 crypto M&A, more than 40 crypto ETFs launched last year, and U.S. steps such as the GENIUS Act and a conditional OCC nod for Ripple’s trust bank.