San Francisco, CA
Joined August 2008
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Fair warning, we packed a lot into one release (if not now, then when?). In all seriousness, I’m so incredibly proud of the entire @Ripple team. Our best year ever – approaching $900M in annualized product revenue run rate exiting 2026, with customers and partners like Standard Chartered, DBS, HSBC, Robinhood, BNY and more using our blockchain infrastructure solutions built with XRPL for a variety of use cases to move, hold, tokenize and deploy assets.
Kicking off our 10th @RippleSwell with a bang. 💥
2026 marks Ripple’s best year ever. Last year, we set out to build the full stack of blockchain infrastructure, bolstered by native product growth and strategic M&A. This year, it’s all about integration, and the results speak for themselves.
Now, it’s time for @RippleSwell to take center stage: on.ripple.com/48kmVP1
Monica Long retweeted
Ripple strikes deal with Robinhood to expand its RLUSD digital dollar cnbc.com/2026/10/27/ripple-s…
Big partnerships call for big ambitions! We're bringing the full power of Ripple’s blockchain infrastructure to @RobinhoodApp, one of the industry's largest retail and institutional trading platforms. From $RLUSD settlement on the @XRP Ledger to prime brokerage and treasury operations, this is our end-to-end strategy in action. 🚀
Ripple is officially going under the hood. 👀
We're expanding our partnership with @RobinhoodApp across $RLUSD, Ripple Prime and Ripple Treasury, bringing together stablecoins, prime brokerage and treasury management to support both customer-facing services and core financial operations.
Together, we're bridging traditional and digital.
on.ripple.com/3WPPHEH
The best part has been watching people build on something before it was obvious.
Welcome @xrp!
In the last year, we’ve seen the veritable light switch flip – from bank pilots to production, from issuing tokenized assets like money market funds and liquidity funds to using them! Institutional capital markets are moving in one direction -- onchain 24/7. At Ripple, our goal remains to provide the full stack of digital asset infrastructure – allowing institutional participants to take advantage of the entire lifecycle of a tokenized asset on the XRP Ledger.
Deepening our push into capital markets, we are investing in ZILO and Licuido to add regulated transfer agency, issuance and collateral mobility to our capital markets infrastructure built on the XRPL. This comes on the heels of Aviva Investors tokenising its US Dollar Liquidity Fund on the XRPL last week - a clear signal that institutions are ready to move.
Ripple is here to help them.
on.ripple.com/4fErGpS
The future of payments will be multichain, interoperable, and built on institutional-grade blockchain infrastructure.
Our focus is simple: continue making the XRPL the leading blockchain for institutional payments – and a natural home for the next generation of key regulated stablecoins – while growing the utility and adoption of $RLUSD and $XRP around the world.
Stablecoins are transforming how value moves, and interoperability is the key to institutional scale.
We're proud to join Open USD as a day-one integration partner, reinforcing Ripple's commitment to open, multichain infrastructure that supports institutional adoption across the digital asset ecosystem.
This is what compliance-first looks like - and why European institutions choose to build with Ripple.
We have preliminary approval of our CASP license 🎉 Once fully approved, European banks, FIs and fintechs will be able to access our end-to-end cryptoasset and stablecoin payments infrastructure through a single regulated integration. The next wave of institutional digital asset adoption in Europe is here!
ripple.com/ripple-press/ripp…
And we’re back for year 10 (!)…@RippleSwell 2026 will be our biggest event ever, with main stage keynotes, multiple tracks (Institutional, Ecosystem, and Innovation), and much more.
An experience that’s both audacious and illuminating, taking place in the financial capital of the world – that’s what you’ll find at Ripple Swell. See you there!
swell.ripple.com/?utm_source…
Proud to see @Ripple return to CNBC’s Disruptor 50, ranked #16 (!!). This past year was a defining one for our industry and a real turning point for Ripple. New money is here to stay. 💸
The 2026 CNBC Disruptor 50 list is here!
The annual ranking looks at the most promising venture-backed companies innovating across industries, experimenting with AI and, increasingly, making it work at scale.
See the full list: cnb.cx/497XVvn
Ripple Custody has been on a tear the past few months. Digital asset custody is the foundation for any enterprise moving into crypto, whether you’re a bank or a fintech. Ripple Custody is built for how and where customers already operate — customizable to their needs, not one-size-fits-all.
With Ripple Custody you get:
- Flexible deployment (SaaS, on-prem, hybrid)
- Integrations across payments, tokenization, and staking
- Stronger controls + simpler workflow
These capabilities are clearly resonating, with new global customers like Kbank and Kyobo Life Insurance joining BBVA, Intesa Sanpaolo, AMINA Bank, and others on our roster. Proud of the team for meeting our customers where they are, and continuing to ship a top-tier product.
Without secure, compliant custody, every digital asset strategy — including payments, tokenization, and staking — becomes harder to scale: on.ripple.com/4vOR97g
Custody is the governance layer that everything else runs on.
Learn how Ripple Custody is making that possible for institutions worldwide.
Kyobo Life choosing Ripple Custody to support on-chain settlement reflects where the market is heading. When a leading Korean financial institution brings real assets on-chain, the industry takes note. Proud to partner on Korea’s first tokenized government bond settlement.
Announcing our partnership with #KyoboLifeInsurance—one of Korea's largest and most established life insurance companies—to explore on-chain financial infrastructure using Ripple Custody: on.ripple.com/4dTCDoB
Kyobo becomes the first Tier 1 Korean insurer to take this step, bringing government bond settlement closer to real-time.
This is what institutional digital asset adoption looks like.
Licensing wins keep stacking! 🇦🇺
75+ licenses worldwide and counting. Compliance is how we scale.
Exciting milestone for @Ripple in Australia! 🇦🇺
Ripple is obtaining an Australian Financial Services License (AFSL). As we continue to bridge TradFi with the next gen of digital infrastructure, regulatory compliance remains the foundation of everything we build: on.ripple.com/4bnSCs9
With this license, we are doubling down on our commitment to Aussie financial institutions and enterprises, providing a fully regulated, end-to-end platform to move value faster and more efficiently than ever before.
Been counting down to this one. See you very soon, XRP Australia!
One of the sessions that most people are excited for it $XRP as the North Star!
What would you most like to hear @bgarlinghouse and @MonicaLongSF answer in their discussion?
Excited to see t54 building the trust layer for the agentic economy. As autonomous agents begin managing and transacting with real capital, trust infrastructure becomes a foundational piece of the equation. Proud to be at the forefront of AI innovation. Congrats to the team!
AI agents are already moving money — unverified and unaccountable.
Today, we’re announcing our $5M seed round to build the trust layer for the agentic economy.
Led by Anagram, PL Capital, and Franklin Templeton, with strategic investment from Ripple.
t54.ai/seed
Coming off XRP Community Day and reflecting on the progress made toward making XRPL the go-to blockchain for institutional DeFi.
Another big win as one of the UK’s largest asset managers moves funds onchain.
In 2026, expect institutional adoption at scale!
A genuinely huge moment for XRPL as traditional finance moves onchain!
Aviva Investors, the global asset management business of leading UK insurer Aviva plc, has announced a partnership with @Ripple with the intention of tokenising traditional fund structures on the XRPL.
Read more about how we will be working with Aviva Investors here: ripple.com/ripple-press/aviv…
Monica Long retweeted
Some more exciting licensing news in Europe! 🇪🇺
A couple of weeks ago we heard from Luxembourg’s CSSF that @Ripple had received preliminary approval for its EU Electronic Money Institution (EMI) license.
I can now share that we have fulfilled the conditions set by the CSSF, resulting in Ripple being granted its full EU EMI license - a transformative milestone that allows us to scale our mission of providing robust, compliant blockchain infrastructure to clients across the EU.
We’re now better positioned than ever to help European businesses transition into a more efficient, digital-first financial era! 🚀
ripple.com/ripple-press/ripp…
After one of crypto’s most exciting years (and Ripple’s), the industry is entering its production era. In 2026 we’ll see the institutionalization of crypto — trusted infrastructure and real utility will push banks, corporates, and providers from pilots to scale — across stablecoins, onchain assets, crypto custody, and broader institutional investment. A true inflection point for institutional adoption and the Internet of Value. With that, here are some of my top predictions for 2026:
4/ Crypto M&A reflects market maturity, with $8.6B in deal volume in 2025 driven largely by institutions and custody emerging as the next major consolidation driver. As custody commoditizes, spurring vertical integration and multi-custodian strategies, ~50% of the world’s top 50 banks will formalize new custody relationships in 2026.
Read my full 2026 crypto outlook here:
ripple.com/insights/2026-cry…
