Ripple, Regulation, and Real-World Utility

Pantera Founder Dan Morehead sat down with Brad Garlinghouse, CEO of Ripple, for a wide-ranging conversation on the evolution of blockchain and the journey from “money over IP” to mainstream adoption. Garlinghouse reflected on Ripple’s decade-long role at the intersection of crypto and traditional finance – how early conviction, regulatory perseverance, and enterprise-grade infrastructure helped shape one of the industry’s most enduring platforms. 

The discussion explored Ripple’s landmark SEC victory, the company’s global expansion, and the growing recognition of blockchain as financial infrastructure rather than speculation. Garlinghouse shared insights on the rise of real-world use cases in cross-border payments, stablecoins, and institutional integration – and why he believes the U.S. regulatory tide has turned from headwind to tailwind.