Brad Garlinghouse

Ripple is focused on enabling a global network of financial institutions to use our software to create what we call the Internet of Value.

There is a lot of volatility in the digital asset market broadly, and certainly that is true in the bitcoin market. It's been true for XRP, and I think that's because these markets are very nascent.

Some of the bitcoin community come from that kind of anarchistic, libertarian view. But, one reason why I think Ripple has been very successful is because we work with the system.

Family is my fun.

People who know me know that I'm a rabid fan of the Kansas Jayhawks. My quirky habit is that every Kansas game is on my calendar, and, more often than not, I will plan and schedule flights around them so that I can engage and watch. I have already brainwashed my family to be Jayhawks fans.

Whether you talk about Africa or underbanked communities, these are all examples where Ripple can change the way society works.

What's happening in crypto - and certainly what's happening at Ripple - we have an opportunity to fundamentally change the way global commerce is managed from a payments point of view.

Blockchain technologies will change transactions in a broad way.

What xRapid allows you to do is to have real-time liquidity.

XRP is a digital asset that exists on the XRP ledger, one of the open-source products created by Ripple. XRP is a pivotal component of the Internet of Value, since it solves a key point of friction: the pre-funding of nostro/vostro accounts necessary to facilitate cross border payments.

I think what Ripple is doing is not just, 'Hey, how do we enable banks' - it's a broader effort in how can you enable an Internet of Things and connected devices that are economic actors to pass a couple pennies.

A bank-issued digital asset can only really efficiently settle between the banks who issued it. I strongly believe banks need an independent digital asset to enable truly efficient settlement, and we believe XRP is best positioned for that role.