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" We are all products of our experiences, good and bad. Sometimes you learn as much from the negative experiences as you do from the positive. "

Brad Garlinghouse

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

Brad Garlinghouse

" 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. "

Brad Garlinghouse

" As I was looking around, to me, what was happening in the blockchain and crypto world was a movement. "

Brad Garlinghouse

" To me, if we're not failing a little bit, we're not trying hard enough. I think great cultures encourage risk and are tolerant of failure. If you don't do that, you're going to end up with a culture that is stagnant and not thinking about the next generation of products and experiences. "

Brad Garlinghouse

" 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. "

Brad Garlinghouse

" I think any great culture is born out of transparent, authentic communication. You almost can't overcommunicate. You can try, and you might think, 'Oh, do I really have to say this again?' And the answer is yes. "

Brad Garlinghouse

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

Brad Garlinghouse

" To be candid, I think, in retrospect, it was a mistake to work at AOL when I did. I think I had rose-colored glasses about the opportunity to reinvent AOL. "

Brad Garlinghouse

" Family is my fun. "

Brad Garlinghouse

" I'm a big fan of what Salesforce has achieved. "

Brad Garlinghouse

" 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. "

Brad Garlinghouse

" Governments aren't going to go away; banks aren't going to go away. "

Brad Garlinghouse

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

Brad Garlinghouse

" 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. "

Brad Garlinghouse

" PayPal exists because banks are not interoperable: I can't efficiently pay you $10 unless I'm giving you a $10 bill. So we're all on PayPal and Venmo, I need interoperability on the same ledger. "

Brad Garlinghouse

" Blockchain technologies will change transactions in a broad way. "

Brad Garlinghouse

" Blockchain is like the new big data or AI - too many people are using it as a buzzword and not focused solving a real problem. We like to call them Blockchain tourists! "

Brad Garlinghouse

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

Brad Garlinghouse

" Some in the bitcoin community have always taken an anti-government, anti-fiat, anti-bank approach to their philosophy. Ripple takes the orthogonal side of each of those. "

Brad Garlinghouse

" I think most of the ICOs you're seeing are not real token use cases. They're really securities, so I think the SEC should regulate that. "

Brad Garlinghouse

" 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. "

Brad Garlinghouse

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

Brad Garlinghouse

" 'Be in' is all about passion. Life is short. There are so many interesting things we can do in our life, and I feel like if someone is just kind of showing up, it's not worth it for them or for us. "

Brad Garlinghouse

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

Brad Garlinghouse