Quotes from Brad Garlinghouse

XRP is solving a payments problem, and it's very efficient to do that.

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.

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.

I had been exposed to bitcoin early. I thought the consumer application of it felt, to me, further away. I thought there would be faster adoption of the blockchain in the enterprise space and with banks.

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.

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

When you look around Silicon Valley at new companies, there are very few ideas that are going to make a dent in the universe.

In the bubble that was dot-com 1.0 emerged Google, Amazon, and some of the most valuable companies on the planet. They were successful because they focused on their customer; they focused on revolutionary products.

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

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.

If a business has to be told that it needs more focus, accountability and decisiveness, there is a bigger problem at hand.

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.

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