Quotes from Brad Garlinghouse

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.

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.

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

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.

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.

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.

If Ripple as a company went away, XRP would continue to trade. To me, that's the definition of decentralization.

In 2017, people have realized there isn't going to be one crypto to rule them all. You're seeing vertical solutions where XRP is focused on payment problems, Ethereum is focused on smart contracts, and increasingly, bitcoin is a store of value. Those aren't competitive. In fact, I want bitcoin and Ethereum to be successful.

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.

I don't think central banks are going to give up fiat currency anytime in my lifetime.

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.

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

If the asset solves a real problem for a real customer, then there'll be value in the asset.

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

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

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.

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.

'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.

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!

Yahoo is a great company, and anyone should be proud to be CEO.

Blockchain technologies will change transactions in a broad way.

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.

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.

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