Is Ripple’s IPO not happening in 2026? ‘We still plan to remain private’

Following a year of market hype and IPO speculation, 2026 begins with a surprise as Ripple has announced no plans to pursue a Wall Street debut.

In a recent interview with Bloomberg, Ripple President Monica Long shared the firm’s 2026 plans.

She highlighted that even with a $40 billion valuation and major backers like Citadel Securities and Fortress, Ripple still has no timeline for going public.

Long noted,

“Currently, we still plan to remain private.”

For most tech giants, an IPO is the finish line, but for this one, it’s currently an unnecessary distraction.

This new enthusiasm might be fueled by a $500 million share sale and a relentless spree of strategic acquisitions.

Long further added,

“Often, the strategy driving an IPO is to get access to the investors and the liquidity of the public markets. We’re in a really healthy position to continue to fund and invest in our company’s growth without going public.”

What’s behind this plan?

Ripple’s refusal to go public is backed by a massive $4 billion investment into its infrastructure.

By folding in Hidden Road (rebranded as Ripple Prime) for prime brokerage, GTreasury for corporate money management, and much more, the company has effectively built a closed-loop system for digital assets.

As of late 2025, Ripple Payments has processed an astronomical $95 billion in total volume.

Additionally, at the heart lies RLUSD, Ripple’s dollar stablecoin, which surpassed $1 billion in market capitalization within just seven months of launch.

All these combined successes have already made it difficult for Wall Street to ignore Ripple, IPO or not.

Ripple’s 2026 plans

That being said, Ripple’s choice to avoid an IPO may look like a retreat, but its fundraising demonstrates strong confidence and strategic control.

To raise private capital on its terms, Ripple offered major investors strong protections.

These included a buyback guarantee, letting them sell shares back to the company at a set price, and special safeguards in case of a sale or bankruptcy.

These guarantees let Ripple act like a public company in liquidity and credibility while keeping the freedom of a private one.

So, by giving top investors a no-risk deal, Ripple plans to focus on integrating acquisitions and expanding its payment network without public-market pressure.

Long added,

“So the the the overall structure for the fundraise is very, very positive, very favorable.”

Additionally, with over 70 global licenses, including new approvals from Singapore’s MAS, Ripple is giving enterprise clients a legally safe environment.

Final Thoughts

• Ripple’s refusal to chase an IPO signals that long-term infrastructure, not short-term market optics, is its priority.
• The firm is quietly building a full financial stack, custody, brokerage, and stablecoin rails that traditional banks may soon depend on.