Ripple (CRYPTO: XRP) CEO Brad Garlinghouse predicts the stablecoin market cap to reach $3 trillion by 2031, pointing to the GENIUS Act, the Circle (NASDAQ:CRCL) IPO, and 24/7 payment infrastructure as the key drivers. Stablecoins Growing Because Payment Rails Can't Keep Up Garlinghouse argued at the Coindesk Consensus Conference that the global economy runs 24/7 but traditional payment infrastructure does not.