Brad Garlinghouse
Transforming the $150 trillion global payments market through blockchain technology, XRP, and the power of decentralized finance.
Moving money shouldn't be harder than moving information. The internet revolutionized communication — blockchain will revolutionize value transfer.
The Visionary Behind Ripple
A two-decade career at the intersection of technology, leadership, and financial innovation.
Brad Garlinghouse
CEO, Ripple · San Francisco, CA
Brad Garlinghouse is the Chief Executive Officer of Ripple, the fintech company at the forefront of global payments innovation. Under his leadership, Ripple has grown into one of the most prominent blockchain companies in the world, enabling real-time, cost-efficient cross-border transactions for hundreds of financial institutions across 70+ countries.
Before joining Ripple in 2015, Brad served in senior executive roles at some of the most influential internet companies of the early 2000s — including Yahoo! and AOL — where he developed a reputation for candid leadership, strategic clarity, and an ability to drive large organizations through transformation.
His famous "Peanut Butter Manifesto" at Yahoo!, a frank internal memo on strategic focus, became legendary in Silicon Valley as a masterclass in corporate self-reflection and decisive leadership.
Today, Brad is one of the most vocal advocates for regulatory clarity in the crypto industry. His public battle with the U.S. Securities and Exchange Commission — and Ripple's landmark partial court victory — has set legal precedents that shape the entire digital asset landscape.
9+
Years at Ripple
70+
Countries Impacted
25yrs
Industry Experience
1000+
Global Team
CEO, Ripple
Continues to lead Ripple through landmark SEC settlement, expansion of RippleNet to 70+ countries, and growing CBDC partnerships with global central banks.
Joins Ripple as President
Joined Ripple as President and COO, rapidly ascending to CEO by 2016. Brought enterprise focus and international expansion strategy to the company.
CEO, Hightail (YouSendIt)
Led the rebranding and strategic pivot of the file-sharing company, growing its enterprise customer base significantly.
SVP, Yahoo!
Authored the famous "Peanut Butter Manifesto" — a candid internal memo advocating for strategic focus. Led Yahoo! Mail, Photos, and Messenger products.
SVP, AOL
Oversaw consumer internet products during AOL's peak era, developing expertise in large-scale digital platforms and user growth.
The Future of Global Payments
Ripple is building the infrastructure for a world where value moves as freely as information — borderless, instant, and affordable.
What is Ripple?
Ripple is a San Francisco-based technology company founded in 2012 with a mission to enable the world to move value the way it moves information — instantly, reliably, and at near-zero cost.
Through RippleNet, financial institutions can connect to a growing global network to send real-time international payments with full end-to-end tracking and transparent pricing.
What is XRP?
XRP is a digital asset built for payments. Running on the XRP Ledger — an open-source, decentralized blockchain — XRP serves as a bridge currency between fiat currencies, enabling financial institutions to move money globally without the need for pre-funded accounts.
Unlike Bitcoin, XRP was purpose-built for financial use cases: it's fast, cheap, and carbon-neutral — consuming roughly 0.0079 kWh per transaction, compared to Bitcoin's ~700 kWh.
Speed
XRP settles transactions in 3–5 seconds — compared to days for traditional SWIFT transfers.
Cost
Transaction fees as low as $0.0002 USD, making micro-payments and high-volume transfers viable.
Scale
The XRP Ledger handles 1,500+ transactions per second and has been operational without downtime since 2012.
Decentralized
The XRP Ledger uses a unique Federated Consensus mechanism — no mining, no proof-of-work energy waste.
Active Projects
From cross-border payment rails to government digital currency infrastructure — driving the next wave of global financial innovation.
RippleNet
A global payment network that enables financial institutions to process cross-border payments in real time with end-to-end tracking and certainty.
CBDC Platform
Ripple's private ledger solution helping central banks and governments explore, build, and deploy Central Bank Digital Currencies with full compliance controls.
ODL — On-Demand Liquidity
Utilizes XRP as a real-time bridge currency for cross-border transactions, eliminating the need for pre-funded nostro accounts and freeing up capital.
Ripple Custody
Enterprise-grade digital asset custody solution designed for financial institutions to securely store and manage digital assets with SOC 2 compliance.
Institutional XRP Solutions
Providing regulated financial institutions with compliant pathways to leverage XRP for liquidity management, treasury operations, and settlement.
Stablecoin (RLUSD)
Ripple USD (RLUSD) — a USD-backed stablecoin issued on the XRP Ledger and Ethereum, designed for enterprise payments and DeFi applications.
Interested in partnering with Ripple?
Explore how RippleNet can transform your institution's cross-border payment capabilities.
Insights & Perspectives
Brad's forward-thinking views on blockchain, regulation, and the future of global finance.
“The internet changed how information moves. Blockchain will change how value moves. We're at the beginning of that transformation.”
Brad Garlinghouse
World Economic Forum, Davos 2023
“XRP is the most efficient digital asset for payments. It's not a competition — it's purpose-built for global money movement.”
Brad Garlinghouse
Bloomberg Technology Interview
“Regulatory clarity doesn't slow innovation — it accelerates it. When institutions know the rules, they can invest confidently.”
Brad Garlinghouse
DC Fintech Week 2024
“CBDCs represent the next phase of monetary policy. Ripple is uniquely positioned to be the infrastructure layer for sovereign digital currencies.”
Brad Garlinghouse
Ripple Swell Conference 2023
“The $150 trillion cross-border payments market is broken. The opportunity to fix it with blockchain technology is generational.”
Brad Garlinghouse
Fortune Crypto Summit
“We didn't just win the SEC case — we created a legal precedent that protects the entire crypto industry in the United States.”
Brad Garlinghouse
Post-SEC Settlement Statement, 2024
Keynotes · Panels · Podcasts
Brad speaks regularly at Davos, Consensus, Money 20/20, DC Fintech Week, Ripple Swell, and major finance conferences worldwide.
Let's Connect
Business inquiries, partnership opportunities, and speaking engagement requests only.
Business Inquiries
For enterprise partnerships, institutional solutions, press inquiries, or speaking engagements — please use the contact form or reach out directly through official Ripple channels.
Note: This is a portfolio demonstration. Messages submitted here are simulated and not delivered.
Ripple Official
For enterprise solutions and RippleNet partnerships, visit the official Ripple website.
ripple.com