Brad Garlinghouse, CEO of Ripple Labs, is a prominent figure in the crypto industry. His influence on global financial processes and the fight with the SEC define the current state of the market.
From Kansas to Silicon Valley: Career Beginnings
Brad Garlinghouse was born in Topeka, Kansas, in 1971. His early interest in computing led him to study economics in college and obtain an MBA from Harvard Business School in 1997. In a 2016 interview, he noted that his desire to 'change the world' led him to Silicon Valley during the early internet boom.
Leading Ripple and Achieving Success
Garlinghouse joined Ripple Labs in 2015 and became CEO in 2016. Under his leadership, Ripple actively works towards global adoption of XRP as a bridge asset for fast and affordable cross-border transactions. He initiated major partnerships with financial giants such as Santander and SBI Holdings, strengthening Ripple's position in the market. In a recent CNBC interview, Garlinghouse emphasized:
> 'We harness the advantages of crypto, such as quicker and more affordable transactions, and integrate it into traditional finance.'
Ripple's Legal Battle with the SEC
Garlinghouse's legacy is tied to Ripple's fight against the U.S. Securities and Exchange Commission (SEC). In 2020, the SEC alleged Ripple, Garlinghouse, and co-founder Chris Larsen raised $1.3 billion through unregistered XRP sales. Garlinghouse strongly contested the lawsuit, claiming XRP is a currency, not a security. On May 8, 2025, Ripple and company executives agreed to a $50 million settlement, marking a pivotal moment for crypto regulation and corporate accountability.
Brad Garlinghouse’s journey from Kansas to Silicon Valley and his leadership through Ripple’s legal and regulatory complexities showcases his vision and persistence. His mission to build an 'internet of value' remains relevant, with Ripple's influence in the global market continuing to grow.
