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    Ripple

    Ripple is the company behind global payments network Ripple Payments, the blockchain XRP Ledger (XRPL), the hugely popular cryptocurrency XRP.

    Geoffrey Lyons

    By Geoffrey Lyons

    Published on Mar 21, 2025

    Last modified on Feb 26, 2026

    Ripple is the company behind global payments network Ripple Payments, the blockchain XRP Ledger (XRPL), the hugely popular cryptocurrency XRP. 

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    Cheat sheet 

    Ripple-Blog-BradGarlinghouse-1920px.webp

    Founded: 2012 (formerly “Opencoin”) 

    CEO: Brad Garlinghouse 

    Hailing from Topeka, Kansas, Garlinghouse joined Ripple as COO in 2015 and was promoted to CEO a year later. Before that, he cut his teeth in top roles at AOL, Yahoo, and Silver Lake Partners.

    HQ: San Francisco 

    3 things to know about Ripple 

    • Its core mission is to speed up cross-border payments. Businesses and individuals use Ripple to move money in seconds, offering a faster alternative to traditional systems like SWIFT.
    • It fought a lengthy, public legal battle with the SEC over claims it sold unregistered securities, ultimately receiving a major win when the SEC officially dropped its case. 

    Interesting fact 

    Ripple derives its name from how value can “ripple” through a network of trusted users. 

    Visualizing Ripple 

    Think of Ripple Payments as a high-speed railway for banks and businesses.

    Ripple-Blog-Train-1920px.webp

    Slow

    SWIFT, the main messaging network for global payments, can take days and cost up to $50 per transfer.

    Fast

    Ripple Payments takes seconds and cuts costs by up to 60%. 

    Think of XRP Ledger as a global town square for value exchange. 

    Ripple-Blog-TownSquare-1920px.webp

    Centralized

    Western Union dominates the cross-border remittances market and can shut down services with the flip of a switch. 

    Decentralized

    XRP Ledger, Ripple’s open-source blockchain, is a decentralized alternative enabling fast and cheap value transfer that no single entity can shut down.

    Think of XRP as a bridge that connects different currencies. 

    Ripple-Blog-Bridge-1920px.webp

    Low liquidity 

    Cross-border payments stall when pairing currencies gets tricky. 

    High liquidity 

    XRP is designed to connect different currencies. It’s sometimes referred to as a bridge currency.  

    Ah-ten-HUT! 

    XRP saw a massive price surge in 2017 when it briefly became the second-largest cryptocurrency by market cap. This fueled a new wave of investors so passionate and loyal to the cryptocurrency that they soon became known as the XRP Army. It’s now one of the most active crypto communities on social media, often engaging in heated debates with Bitcoin and Ethereum supporters.

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