Ripple CLO Says Ripple Is a ‘One-Stop Shop’ for Enterprise Crypto as U.S. Crypto Ownership Reaches 67 Million

Ripple Chief Legal Officer and National Cryptocurrency Association (NCA) President Stuart Alderoty says Ripple has grown into a full-service crypto infrastructure provider for businesses. 

The company now offers solutions for payments, custody, tokenization, liquidity, and treasury management. Alderoty shared this during an interview with the New York Stock Exchange.

He discussed Ripple’s expanding role in enterprise crypto adoption and also highlighted new research showing that cryptocurrency adoption continues to grow across the United States.

According to Alderoty, Ripple has spent more than 13 years building infrastructure for companies that want to use blockchain technology.

“If you’re a large or medium-sized enterprise and want to adopt crypto for payments, custody, tokenization, liquidity, or treasury management, we become a one-stop shop to do that,” he said.

Key Points

• Ripple says it now offers payments, custody, tokenization, liquidity, and treasury services for enterprises.
• The NCA reports that 67 million Americans now own or use crypto, signaling growing mainstream adoption.
• About 12 million new users joined the crypto economy in the past year, expanding adoption nationwide.
• Crypto ownership now spans generations, with strong participation from both younger and older Americans.

67 Million Americans Now Own or Use Crypto

Alderoty’s comments came alongside the release of the NCA’s latest State of Crypto Holder Report. The study was conducted in partnership with Harris Poll. The survey reached 40,000 Americans. It found that about 67 million Americans now own or use cryptocurrency.

The findings suggest that digital assets have moved far beyond their niche beginnings and are becoming increasingly mainstream.

Alderoty said crypto is no longer competing directly with traditional finance. Instead, the two industries are operating side by side.

He noted that consumers are using both traditional financial services and crypto products. This trend is growing as financial technology platforms add digital asset features.

12 Million New Crypto Users Added in One Year

One of the report’s biggest findings was the addition of 12 million new crypto users between the 2025 and 2026 surveys.

Alderoty said the latest growth is coming from a broader range of people than in previous years. New users increasingly include women, construction workers, and manufacturing employees.

Accordingly, he argued that crypto is no longer limited to tech enthusiasts or Silicon Valley investors. Adoption is spreading across mainstream America.

The NCA’s data also show that crypto ownership is widespread across geographic regions. Holders are located in nearly every state and congressional district.

Traditional Finance and Crypto Continue to Converge

Alderoty credited much of the recent growth to the increasing integration of crypto and traditional financial services. He compared crypto adoption to the rise of smartphones. Consumers did not switch overnight, but gradually adopted the technology because it improved everyday experiences.

According to the survey, most crypto holders now see cryptocurrency as a reliable, established, and mature technology.

Alderoty believes crypto will become even more common as banks, financial institutions, and apps continue offering digital asset services. He said consumers may eventually use crypto without thinking much about the technology behind it.

As an example, he pointed to future payment systems that could let users choose between cash, debit cards, credit cards, or crypto wallets in a single app. The transaction would be processed seamlessly in the background.

Crypto Adoption Expands Across Generations

The report also found that crypto ownership spans multiple age groups. According to the survey, 18% of new crypto holders are between 18 and 24 years old. Meanwhile, 28% are over the age of 55.

Alderoty said these figures show that cryptocurrency is becoming a lasting part of the financial system for both younger and older generations.

He added that many younger users will grow up in a world where crypto exists alongside traditional financial products. It could become a standard option for payments, savings, and investing.