Brad Garlinghouse

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. ”

There are a lot of really fabulous things that get done with digital assets and blockchain technologies to reduce friction, to reduce costs, and enable things that weren't possible before. ”

If the cryptocurrency market overall or a digital asset is solving a problem, it's going to drive some value. ”

The revolution of blockchain is not going to happen from outside the system; it's going to happen from within the system. ”

The thing I think is often misunderstood about Ripple is people say, 'Oh, Ripple is a centralized platform.' To me, this is a legacy perspective. Ripple's technology, IRP, is open source; XRP Ledger is open source. ”

Some of the uses being implemented for blockchain could actually work better with a database. ”

Some of the people at Ripple I think are truly the smartest people I've ever worked with in my career, which makes it a lot of fun to go to work every day. ”