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Insider Perspectives

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Why Open Protocols Are the First Step in the Distributed Ledger Movement

Jun 13, 2018 | David Schwartz

In the 90’s, the Internet protocol (IP) caught on quickly. This standardized communications protocol along with a suite of others, such as HTTP and SMTP, allowed the Internet to interoperate ...

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Transaction Banking: Good Enough Is Not Enough

May 22, 2018 | Jinal Surti

The words “innovation” and “disruption” have been almost synonymous with discussion of new technology in the payments industry over the last year. Yet, at recent banking events — including the annual ...

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An Evolving Regulatory Dialogue: Protect Consumers, Enable Innovation

May 2, 2018 | Ryan Zagone

In the last year, interest in digital assets went mainstream and new promising use cases emerged. Appropriately, it spurred a global conversation on the type of regulations needed to ensure ...

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Virtual Currency Regulation: Addressing Risk While Preserving Innovation

Mar 2, 2018 | Ryan Zagone

The Promise of Enterprise Use Cases Digital assets have been a promising technology breakthrough, showing the potential to transform many sectors of the global economy. Consumers initially adopted the technology ...

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How XRP Stacks Up Against Other Digital Assets

Dec 11, 2017 | Team Ripple

We examined the top digital assets for payments while comparing their speed, cost and scalability. Here’s what we found.

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The Fundamental Value of XRP

Nov 29, 2017 | Team Ripple

Much of the public discussion about digital assets today revolves around price. Companies hope for a pop on an initial offering to raise funds, investors seek to ride an asset ...

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Remittance Transfers: Policy, Practicalities, and Innovation

Sep 7, 2017 | Jess Cheng

We explain why innovative financial technology solutions like Ripple’s matter.

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Blockchain Can Improve Payments for Expatriates in the Gulf

Aug 29, 2017 | Dilip Rao

Recent news coverage underscores the impact of high fees and poor FX rates for many expatriates in the Gulf countries sending money home.

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The Genesis of Swell by Ripple

Aug 25, 2017 | Monica Long

Meet Swell by Ripple.

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ICO=IPO: Why the SEC Is Right to Regulate Initial Coin Offerings

Jul 28, 2017 | Brad Garlinghouse

This week the Securities and Exchange Commission (SEC) stepped into the ring to clarify that certain types of ICOs are actually securities.

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The Importance of Speed and Efficiency in Payments

Jun 22, 2017 | Shanna Leonard

The number of global financial transactions is enormous, yet the majority happen using dated technology that makes them slow, expensive and unreliable.

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The Internet of Value: What It Means and How It Benefits Everyone

Jun 21, 2017 | Shanna Leonard

Our vision is for value to be exchanged as quickly as information.

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Does It Matter How I Pay?

Jun 6, 2017 | Jess Cheng

Our article discusses how payment laws and consumer protections apply -- or do not apply -- to some of the new ways to pay.

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How Payments Law Can Drive Innovation

Apr 27, 2017 | Jess Cheng

Commercial rules, as well as expertise in payments law to craft them, are key for new technology to push on to become a mature enterprise infrastructure for a truly modern ...

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Don’t Believe All the Hype 3: Why Payments Are Worth the Blockchain Hype

Apr 14, 2017 | Danny Aranda

Image: Shutterstock Previously I’ve warned banks against buying into much of the hype surrounding blockchain. Instead of being seduced by visionary long-term benefits, they should focus on areas that also ...

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Don’t Believe All the Hype 2: The Limitations of the Bitcoin Blockchain

Apr 10, 2017 | Danny Aranda

Among the genuine excitement about where blockchain tech can take banks, there is also a lot of hype.

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5 Key Takeaways from Miguel’s Epicenter Interview

Mar 29, 2017 | Shanna Leonard

Miguel Vias, the head of XRP markets at Ripple, appeared on the Epicenter podcast to discuss XRP and its expanding role in global payments.

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Don’t Believe All the Hype Part 1: Where Banks Should Focus Their Blockchain Efforts

Mar 28, 2017 | Danny Aranda

Among the genuine excitement about where blockchain tech can take banks, there is also a lot of hype.

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Ripple Supports Efforts to Drive Thoughtful Regulation

Feb 22, 2017 | Ryan Zagone

Ripple supports Washington, DC based Coin Center. Image: Shutterstock Innovation in banking often results from the convergence of three key domains: financial services, technology, and regulations. The regulatory framework is ...

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Putting Blockchain Theory into Practice at the Goldman Sachs Tech Conference

Feb 17, 2017 | Amy Hirth

Ripple CEO Brad Garlinghouse discusses blockchain with Adam Ludwin of Chain.

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Do Corporate Giants Need Banks?

Jan 26, 2017 | Shanna Leonard

Banks haven’t kept up with the speed of today’s business. And if they continue to be slow to adapt, they’re going to get left in the dust.

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Q4 2016 XRP Markets Report

Jan 24, 2017 | Miguel Vias

Image: Shutterstock Ripple is excited to publish the first of our quarterly XRP Markets Reports. In order to continually improve the health of XRP markets globally, we will share regular ...

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Ripple Comments on OCC Paper

Jan 23, 2017 | Jess Cheng

Ripple encourages the OCC to take a balanced supervisory approach that is also flexible enough to clearly keep pace with a fast-changing financial industry.

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Announcing the Quarterly XRP Market Operations Report

Dec 15, 2016 | Miguel Vias

Image: Shutterstock In an effort to continually improve the health of XRP markets globally, we are announcing the future release of the quarterly XRP Market Operations Report. Starting in January, ...

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A New Engine for Growth: Why the Next President Must Have Fintech on the Agenda

Oct 13, 2016 | Chris Larsen

The next president needs to be very well informed about fintech, and really focused on the opportunity for our nation.

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Busting the Myths Around Blockchains

Sep 9, 2016 | Alyssa Jarrett

The evolution of blockchain technology has led to many misconceptions about what blockchains are and where they are headed in the future.

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Going Beyond Blockchain, Pt. 2: Ensuring Transaction Privacy

Aug 31, 2016 | Alyssa Jarrett

ILP is an emerging global technical standard that provides the same benefits as blockchains, but also ensures complete transaction privacy.

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Leave No Customer Behind

Aug 29, 2016 | Alyssa Jarrett

Ripple interoperates payment networks to serve global transaction needs and drastically improve customer experiences.

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Going Beyond Blockchain, Pt. 1: Enabling Scalability for the Future

Aug 25, 2016 | Alyssa Jarrett

The IoT cannot be fully realized unless the scalability limitations of today’s payment networks are addressed.

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Meeting the Needs of the New Corporate

Aug 23, 2016 | Meghan Elison

Working with Ripple enables banks to service their corporate customers that need to send efficient payments across different payment networks, on-demand, in real time, at a fraction of the cost.

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Escaping the Blockchain Hive Mind

Aug 18, 2016 | Alyssa Jarrett

Stefan Thomas, CTO of Ripple, discusses the limitations of blockchain systems and promotes the advantages of the Interledger Protocol.

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Driving Network Adoption in Real-Time Payments

Aug 16, 2016 | Meghan Elison

In countries without a strong, activist central bank pressing for adoption, real-time settlement is difficult to achieve. It will require cooperation and adoption between banks and fintech, as well as ...

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Celent: Cross-Border Payments Most Mature Use Case for Distributed Ledger Technology

Aug 12, 2016 | Alyssa Jarrett

Research and consulting firm Celent recently published a report on exploring distributed ledger technology (DLT) use cases in capital markets and corporate banking.

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The Internet of Things and the Future of Payment Systems

Aug 10, 2016 | Alyssa Jarrett

The Internet of Things cannot be fully realized unless the limitations of today’s payment networks are addressed to achieve the Internet of Value.

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The Cross-Border Payments Journey

Aug 5, 2016 | Meghan Elison

Which cross-border payments journey would you and your customers prefer?

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Intesa CEO Sees Cost Synergy Opportunities

Aug 4, 2016 | Meghan Elison

Increasing revenue and decreasing costs through greater efficiency in payments with Ripple can significantly affect a bank’s balance sheet.

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How Regulators Can Help Drive Innovation

Jul 27, 2016 | Ryan Zagone

Regulatory framework is a crucial aspect of innovation.

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Faster Payments: Faster Than What?

Jul 18, 2016 | Meghan Elison

What do we mean when we say “faster” payments?

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Managing the Integration of Distributed Ledger Technology

Jul 6, 2016 | Alyssa Jarrett

In a new joint whitepaper, Accenture defines blockchain integration, providing a cross-border settlement scheme with Ripple as the core infrastructure.

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What to Know Before Adopting GPII: Part 2

Jun 30, 2016 | Meghan Elison

With Ripple, settlement of funds is instant and certain, minimizing time delays even with several intermediaries in the payment process.

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What to Know Before Adopting GPII: Part 1

Jun 29, 2016 | Meghan Elison

Ripple’s distributed financial technology modernizes global infrastructure, so funds settle in real time. Leading banks around the world are using Ripple to process real time payments today.

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How to Avoid Another Bank Hack with Distributed Financial Technology

Jun 29, 2016 | Alyssa Jarrett

These recent bank hacks highlighted the vulnerabilities in cross-border transaction banking, and particularly in the SWIFT network.

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Blockchain Summer Reading List

Jun 9, 2016 | Meghan Elison

This summer reading list is intended to familiarize newcomers with blockchain technology, and help everybody catch up as blockchain goes commercial.

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What Killed the Killer Wallet?

Jun 6, 2016 | Meghan Elison

Why has no clear leader emerged in digital wallets? Why is there no internet for money, no simple, all-in-one solution to the problem of how people pay for things?

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PSD2 and Blockchain: How Open API Access and Better Infrastructure will Benefit Banks and Fintechs

May 18, 2016 | Bailey Reutzel

Opening up financial service APIs will bring the robustness and efficiency to the internet of value that the current stack for the Web already employs.

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3 Reasons Blockchain Technology Will Change Real-Time Payments

May 17, 2016 | Welly Sculley

Blockchain or distributed ledger tech can play a critical role in remaking fundamental financial processes.

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New World, New Rules

May 11, 2016 | Meghan Elison

As we work with banks around the world to connect with each other for cross-border transactions, part of that work is helping them craft rule sets that make sense in ...

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Partnership is the Future of Blockchain Tech

May 4, 2016 | Meghan Elison

It is under the conditions of antiquated infrastructure in financial services and the growing customer demand for faster and cheaper services that experts are chorusing in favor of partnership.

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Banks Modernizing Core Systems Will Need the Help of Partners

Apr 25, 2016 | Bailey Reutzel

Banks can save time and money leaning on fintech startups for help, instead of building technology from scratch in-house. Partnering with distributed ledger technology providers is something many banks and ...

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PwC: Fintech is Reshaping Financial Services

Apr 22, 2016 | Meghan Elison

Financial institutions should make the most of their position of trust with customers, brand recognition, access to data and knowledge of the regulatory environment to compete. Financial services players might ...

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Blockchain Needs to Go Commercial in 2016; Ripple Has a Head Start

Apr 12, 2016 | Bailey Reutzel

The opportunity for distributed financial solutions to reduce the friction in payments at financial institutions and large corporates is extensive, and most of the industry is eagerly awaiting commercial implementations ...

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McKinsey: Cutting Through the Noise Around Fintech

Mar 23, 2016 | Meghan Elison

Fintech is knocking on the door; McKinsey advises banks that it’s time to open up. This is a conclusion we could not agree with more.

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Deloitte Banking Industry Outlook: Banking Reimagined

Mar 15, 2016 | Meghan Elison

Deloitte's Banking Industry Outlook report predicts that the new world of payments will be blockchained, direct, and seamless.

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The First Step Toward Global Interoperability

Mar 2, 2016 | Katie Ginder-Vogel

Real-time systems are an important first step toward on-demand payments globally, but the industry already needs to work on the next step—interoperability.

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Euroclear: You Don’t Need a Blockchain to Fix Securities Settlement

Feb 4, 2016 | Alec Liu

Euroclear, along with consulting firm Oliver Wyman, has published a great report on the potential for the blockchain in the context of capital markets.

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Financial Professionals Believe in Billions of Blockchains

Feb 1, 2016 | Alec Liu

A million blockchains isn’t cool. You know what’s cool? A billion blockchains.

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Infographic: The Top 10 Payments Trends of 2016

Jan 29, 2016 | Alec Liu

Capgemini has a great new infographic detailing the top trends in payments this year.

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Susan Athey Talks the State of Payments, Blockchain and Ripple

Jan 28, 2016 | Alec Liu

Don’t get me started on the awesomeness that is economist Susan Athey.

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Goldman Sachs: Blockchain Drives Technological Awareness

Jan 26, 2016 | Alec Liu

For Goldman Sachs, the most important aspect of the blockchain is its influence—in driving both awareness of new technological approaches while leading the conversation and forcing the issue.

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Your Credit Card Will Cost You $400 in Fees This Year

Jan 20, 2016 | Alec Liu

Like they say, there's no such thing as a free lunch.

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Why Bill Gates Believes 2016 Will Be the Year of Financial Inclusion

Jan 19, 2016 | Alec Liu

According to Bill Gates, 2016 will be the year of financial inclusion—thanks to a convergence of digital payment technologies and smart regulations in developing economies.

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What People are Saying About Mike Hearn’s Bitcoin Takedown

Jan 15, 2016 | Alec Liu

When Hearn talks Bitcoin, people listen.

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The Road to Davos: Ushering in the Fourth Industrial Revolution

Jan 14, 2016 | Meghan Elison

As the only distributed financial technology company invited to attend Davos this year, Ripple is undertaking one of the first tasks of this revolution: building the infrastructure.

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Ripple + EFF: Open Approach to Security Will Define Next Chapter of Finance

Jan 12, 2016 | Alec Liu

The existing industry approach to enterprise security is showing its age.

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2016 Will Be the Year You Realize You Don’t Need the Blockchain

Jan 8, 2016 | Alec Liu

For many, 2015 was year of the blockchain. 2016 will be the year that people realize they don't actually need it.

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6 Trends That Will Shape Global Regulations in 2016

Jan 7, 2016 | Alec Liu

CFTC commissioner J. Christopher Giancarlo outlined the six major developments he sees transforming global finance at Harvard Law School.

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Consumers Won’t Drive the Internet of Things But They’ll Be the Biggest Beneficiaries

Jan 5, 2016 | Alec Liu

Even your toaster will have a computer in it, a common imagery by those hyping the inevitable Internet of Things.

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The Internet of Things and the Internet of Value are Really the Same Thing

Dec 17, 2015 | Alec Liu

In digitizing the physical world it will make sense for devices to not only communicate with each other but also to be able to pay each other.

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Is Your Bank Basel III Compliant?

Dec 8, 2015 | Alec Liu

One of the biggest changes coming to banks is a new rule called Basel III.

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What a Fed Rate Hike Means for Cross-Border Flows

Nov 30, 2015 | Alec Liu

A rate hike by the Federal Reserve could spark trillions of dollars worth of cross-border capital flows.

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Why Central Banks Should Use Distributed Ledger Technology

Nov 25, 2015 | Alec Liu

How should central banks deal with the increasing use of distributed ledger technology? They could adopt it.

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The European Initiative to Unlock Banking, Explained

Nov 18, 2015 | Alec Liu

Banking upstart Starling has a great overview of Europe’s Payment Services Directive 2, which was successfully voted by European Parliament in October.

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Fintech Follow Friday: Sibos Edition

Nov 6, 2015 | Meghan Elison

Recovering from Sibos for most people means sifting through a newly-acquired pile of business cards, remembering meetings and panel discussions, trying to put faces to the names on cardstock.

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Designing the New Ripple Logo

Nov 6, 2015 | Eli Lang

Ripple has come a long way in the last couple of years. We began as a consumer facing startup, which was when the original logo was designed.

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Understanding Blockchain Use Cases

Nov 5, 2015 | Alec Liu

While financial institutions are eager to jump on the blockchain bandwagon to signal their commitment to innovation, not every use case necessarily makes sense.

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Welcome Deputy General Counsel Jess Cheng to Ripple

Nov 3, 2015 | Alec Liu

As our regulatory responsibilities grow, Ripple has continued to expand its legal and compliance team.

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The W3C’s Mission to Standardize Web Payments

Oct 29, 2015 | Alec Liu

Just as important as building great technology is coming together and agreeing on standardized ways of doing things.

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Ripple and CGI Team Up

Oct 14, 2015 | Alec Liu

CGI announced this week that the IT leader is bringing Ripple’s distributed financial technology capabilities to their payments solution portfolio.

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On the Ground at Sibos 2015

Oct 13, 2015 | Alec Liu

Sibos 2015 is well underway in Singapore with over 7,000 banking industry attendees from 140 countries around the world. Here’s our recap so far.

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Ripple Arrives at Sibos 2015 in Singapore

Oct 12, 2015 | Alec Liu

With over 6,500 industry attendees, SWIFT’s annual conference is especially exciting for us this year given the growing prominence of distributed financial technology.

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Conversations at Sibos

Oct 8, 2015 | Meghan Elison

Here are three topics that presenters at Sibos will add their voice to, and background on each that will help participants put them in context.

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Implementing the Interledger Protocol in Ripple

Oct 6, 2015 | Alec Liu

Ripple is thrilled to introduce the Interledger Protocol (ILP) for efficient payments across payment networks.

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A New Chapter for Ripple

Oct 6, 2015 | Alec Liu

Ripple is growing up. Two years ago, we decided that the most impactful strategy for achieving the Internet of Value was to focus on creating core infrastructure for banks, the ...

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Fintech Roundup: Fidor Launches in the UK, Sibos Attendance Breaks Record

Sep 29, 2015 | Meghan Elison

Every other week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Fintech Follow Friday

Sep 25, 2015 | Meghan Elison

This is part of a series of recommendations on who to follow in fintech social media. Stay tuned for more. #FintechFollowFriday

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Looking Forward to Sibos 2015

Sep 23, 2015 | Meghan Elison

We look forward to speaking with anyone attending. Those unable to attend the event can follow live updates on Twitter from @Sibos and @Ripple, as well as watching for tweets ...

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The Rise of Non-traditional Market Actors

Sep 16, 2015 | Alec Liu

In the wake of the worst financial crisis since the Great Depression, we’re witnessing a seismic shift in the markets—one that doesn’t involve the world’s biggest banks.

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Fintech Roundup: Nordea Partners with Accenture and Temenos, Google Launches Android Pay

Sep 15, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Welcome CFO Bret Allenbach to Ripple Labs

Sep 14, 2015 | Alec Liu

Bret’s a 20-year industry veteran, having spent time on the regulatory end of the spectrum, while also serving stints at both Visa and Paypal, where he held leadership positions.

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Fintech Follow Friday

Sep 11, 2015 | Meghan Elison

Fintech Twitter is like a trip to the library. For free, you can browse the thoughts and publications of experts and influential thinkers while enjoying the company of others doing ...

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Bret Allenbach Joins Ripple Labs as CFO

Aug 31, 2015 | Alec Liu

Ripple Labs is thrilled to welcome Bret Allenbach as as Chief Financial Officer. Bret is a twenty-year industry veteran with experience at PayPal, where he was CFO of Payments, as ...

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Fintech Follow Friday

Aug 28, 2015 | Meghan Elison

Twitter at its best like a cocktail party. The key players in fintech Twitter are the ones who add their thoughts and opinions to the stories of the day, enriching ...

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Fintech Roundup: Paypal Buys Modest, The Clearing House Weighs in on Payments Providers

Aug 25, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Building Public Infrastructure for Financial Institutions

Aug 24, 2015 | Alec Liu

One of the biggest challenges when it comes to developing Ripple is finding a solution that not only employs the latest technological innovations but also makes sense for our users, ...

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Fintech Roundup: FIS Buys Sungard, Greenspan Says Shelve Dodd-Frank

Aug 18, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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IDC Report Highlights Ripple as Banking Industry Solution

Aug 18, 2015 | Meghan Elison

A new report released by the International Data Corporation (IDC) presents research supporting Ripple, and placing our technology at the forefront of a developing shift toward distributed databases for financial ...

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Fintech Follow Friday

Aug 14, 2015 | Meghan Elison

For many users, checking Twitter occupies the place in our morning held by the newspaper a generation ago.

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Fintech Roundup: Sri Lanka Moves Toward Real-Time Settlement, Silicon Valley Bank Acquires Standard Treasury

Aug 12, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Building an Open Marketplace for Moving Money

Aug 10, 2015 | Alec Liu

In building a better way to move money, creating a marketplace for liquidity is critical. After all, liquidity is the lifeblood of the world economy and the result of a ...

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Fintech Roundup: Stripe Partners with Visa, National Australia Bank Creates $50 Million Fintech Fund

Aug 4, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Compliance at Ripple Labs

Jul 31, 2015 | Alec Liu

The compliance team at Ripple Labs is expanding, a reflection of our ongoing commitment to regulatory compliance and policy along with the team’s evolving responsibilities. As such, we wanted to ...

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Fintech Follow Friday

Jul 31, 2015 | Meghan Elison

Fintech Twitter is like a shared water cooler between finance and technology. If you’re looking to join the conversation, these are our recommendations on who you should follow.

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The Volcker Rule’s Impact on Market Making

Jul 30, 2015 | Alec Liu

The most regulated industry on the planet became even more so in the wake of the financial crisis. In the US, Dodd-Frank was signed into law in 2010, but its ...

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Former Treasury Official Michael S. Barr Joins Ripple Labs

Jul 29, 2015 | Meghan Elison

Ripple Labs is pleased to announce that Michael S. Barr, a former U.S. Department of the Treasury official, has joined the advisory board.

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Fintech Roundup: Earthport Reaches Milestone, Deutsche Boerse AG Buys 360T

Jul 28, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Fintech Roundup: PayPal Valued at $50 Billion, Customers Choose Banks Based on Faster Payments

Jul 21, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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Fintech Follow Friday

Jul 17, 2015 | Meghan Elison

This is the first in a series of recommendations on who to follow in fintech social media. Stay tuned for more. #FintechFollowFriday

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Fintech Roundup: Paypal Invests in Cross-border, WEF Backs Innovation

Jul 14, 2015 | Meghan Elison

Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.

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WiredMoney 2015 Highlights

Jul 13, 2015 | Meghan Elison

The common thread that emerged in nearly every presentation was one of partnership; the necessity for new technology and legacy financial institutions to adopt and adapt to one another for ...

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Singapore’s Continued Investment in Banking Innovation

Jul 7, 2015 | Meghan Elison

Singapore is fast becoming a center for financial innovation in Asia and the world at large. In October, the city will serve as a literal center; hosting the world’s premier ...

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What an Open Network Means for Banks, Market Makers and Regulators

Jul 1, 2015 | Alec Liu

One unique feature of Ripple is the open nature of the network, which has numerous benefits for banks, market makers, regulators and ultimately consumers.

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How Market Makers Make Money on Ripple

Jun 26, 2015 | Alec Liu

When boiled down to its most fundamental nature, market making is about “buying cheaply and selling dearly.”

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Market Makers and the Art of Liquidity

Jun 25, 2015 | Alec Liu

Though oft criticized—by the likes of Aristotle to the Occupiers of Wall Street—our endless thirst for liquidity is the reason why we have market makers.

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For Banks, It’s Time to Upgrade From the Telegraph

Jun 23, 2015 | Alec Liu

A good way to understand the state of payments is to consider the evolution of electronic communications technology.

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Meet Bluzelle, A Regulated Provider of Ripple Software Solutions

Jun 22, 2015 | Alec Liu

A new Vancouver-based company that provides platforms and services based on the Ripple protocol for businesses officially launched earlier this month.

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The True Cost of Moving Money

Jun 18, 2015 | Alec Liu

At this point, there’s an agreed upon consensus that the core infrastructure by which we move money around the world needs a serious upgrade.

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Financial Industry Betting Big on Innovation

Jun 10, 2015 | Alec Liu

There’s been a huge wave of investment in finance and banking innovation over the last few years and the biggest players are making sure they won’t get left behind.

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New York’s BitLicense Has Arrived

Jun 3, 2015 | Alec Liu

New York Superintendent of Financial Services Ben Lawsky has released the final version of BitLicense, sweeping new rules regulating digital currencies.

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Welcome Advisor Donald Donahue to Ripple Labs

Jun 1, 2015 | Meghan Elison

Ripple Labs is pleased to announce that Donald Donahue, president and CEO of Miranda Partners, LLC and the former CEO of The Depository Trust & Clearing Corporation (DTCC), has joined ...

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Australia Embraces Faster, Smarter Payments

May 27, 2015 | Alec Liu

From banks to businesses to consumers, Australia has fully embraced the potential of smarter, digital payment technologies.

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European Commission Proposal: Open Banking by 2016

May 19, 2015 | Alec Liu

In order to accelerate retail banking innovation and simplify payments, the European Commission is mandating standardized API access across the EU.

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The European Union’s Mission to Transform Payments

May 12, 2015 | Alec Liu

For the world’s largest economy by GDP, the final challenge toward unification was always going to be figuring out how to allow money to move freely between European nations.

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Ripple Labs Managing Director Dilip Rao Talks Asia-Pacific Expansion

May 11, 2015 | Chloe Hunt

The office was established in response to growing demand for Ripple’s real-time settlement protocol in the region, and to more directly connect interested Ripple Labs partners in the US and ...

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Future Proof: Digitizing Singapore Banking for Cross-border Payments

May 7, 2015 | Alec Liu

The inevitable rise of Southeast Asia means that digitizing banks and mastering cross-border payments is the key to Singapore's economic future.

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Welcome Web Payments Officer Adrian Hope-Bailie to Ripple Labs

Apr 30, 2015 | Alec Liu

Ripple Labs is thrilled to welcome Adrian Hope-Bailie to the team. Adrian joins as Web Standards Officer, part of our ongoing initiative to help define the open standards that will ...

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W3C: Building the Internet of Value with Open Standards

Apr 28, 2015 | Alec Liu

In a new W3C blog post, Ripple Labs software developer Evan Schwartz outlined the need to standardize the digital transfer of money in order to achieve the vision of the ...

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Welcome COO Brad Garlinghouse to Ripple Labs

Apr 16, 2015 | Alec Liu

Ripple Labs is honored and thrilled to have a new COO. His name is Brad Garlinghouse, a Yahoo alum and Silicon Valley veteran who currently serves on the board of ...

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Ripple Labs Tech Talk: Understanding Consensus

Mar 25, 2015 | Chloe Hunt

Over 75 people attended the Ripple Labs Tech Talk for understanding consensus—as part of our ongoing initiative to better educate the broader community about Ripple technology.

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A Brief History of Standards

Mar 24, 2015 | Alec Liu

Since the beginning of recorded history, the process of standardization has set the stage for immense gains in collaboration, productivity, and innovation. Standards allow us to find collective harmony within ...

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Recap: Aite Group Examines Cross-Border Payments

Mar 24, 2015 | Chloe Hunt

Ripple Labs conducted our first Twitter interview with Aite Group senior analyst Nancy Atkinson to discuss the challenges surrounding cross-border payments.

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Former State Department Official Anja Manuel Joins Ripple Labs

Mar 18, 2015 | Alec Liu

Ripple Labs is thrilled to announce that Anja Manuel, a former U.S. Department of State official, has joined the advisory board.

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Employee Spotlight: ZZ Zhuang, Sales Operations Associate

Mar 9, 2015 | Alec Liu

Today’s featured team member is ZZ Zhuang, sales operations associate at Ripple Labs. As a member of the business development team, ZZ helps potential banking partners, settlement technology providers, and ...

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Ripple Labs Heads to Fidor Developer Day

Mar 4, 2015 | Chloe Hunt

This week, Ripple Labs heads to Munich, Germany for the Fidor Development Conference, hosted by Fidor Bank.

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Regulations & Compliance Update: U.S. Treasury, CSBS, and Canadian Senate

Mar 3, 2015 | Ryan Zagone

Ripple Labs believes that ensuring robust security, consumer protections, and safety are crucial as we move toward improving payment systems. To this point, we remain engaged with regulators to ensure ...

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Employee Spotlight: Geert Weening, Lead Software Engineer

Mar 2, 2015 | Alec Liu

The Employee Spotlight is a new video series highlighting team members and culture at Ripple Labs.

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Prime Minister Xavier Bettel of Luxembourg Visits Ripple Labs

Feb 18, 2015 | Alec Liu

Ripple Labs is honored to have hosted Prime Minister Xavier Bettel of Luxembourg, who visited our offices in downtown San Francisco on Wednesday.

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Meet Norman Reed, General Counsel at Ripple Labs

Feb 13, 2015 | Alec Liu

Bringing a wealth of experience—from the New York Fed to the SEC in D.C.—Ripple Labs is thrilled to announce that Norman Reed has joined the team as general counsel.

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Promoting Web Payment Standards and Interoperability With the W3C

Feb 12, 2015 | Alec Liu

Ripple Labs has joined the W3C Web Payment Interest Group as we continue our mission to enable the world to move money as easily as information moves on the web ...

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Meet Chris Kanaan, VP of Engineering at Ripple Labs

Jan 29, 2015 | Alec Liu

Chris Kanaan joined Ripple Labs two months ago to become the company’s VP of Engineering. The Yelp alum and Stanford grad is working closely with Ripple Labs CTO Stefan Thomas ...

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The Fed’s Strategy for Improving the U.S. Payment System

Jan 26, 2015 | Alec Liu

The Federal Reserve Bank has released its highly anticipated strategy report for improving the U.S. payment system and Ripple could play a starring role.

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Ripple: Benefits for Regulators and Payment Systems

Jan 21, 2015 | Alec Liu

Continuing our dialogue with regulators about efforts to build more efficient, safer payment systems, Ripple Labs recently detailed the benefits and implications of a distributed network to the UK’s new ...

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Ripple Labs 2014: A Year in Review

Dec 22, 2014 | Alec Liu

For Ripple Labs, 2014 was the year in which we not only clarified our strategy for building the Internet of money but also made large strides in turning that vision ...

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Building the Internet of Money (Video)

Dec 17, 2014 | Alec Liu

Explaining what Ripple is can be hard. To make things a little easier, we made a video! For Ripple Labs, it’s an opportunity to share our vision of the Internet ...

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BitLicense: How Ripple Labs Approaches Regulations

Dec 2, 2014 | Alec Liu

While the early days of the web provide an intuitive roadmap for how the emergence of digital payment protocols and the ecosystem that surrounds them will evolve over time, there’s ...

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Karl-Theodor zu Guttenberg Joins Ripple Labs Advisory Board

Jul 1, 2014 | Alec Liu

Ripple Labs is thrilled to announce that Karl-Theodor zu Guttenberg is joining the advisory board. Mr. zu Guttenberg is the Chairman and a Founder of Spitzberg Partners LLC and has ...