Eric caught up with Ripple’s CEO Brad Garlinghouse. On January 1st, 2017, XRP’s market cap was $236 million. Today, it’s close to $9 billion. We go over how Brad came to join Ripple, the opportunity of cross-border banking, the criticisms he sometimes hears about Ripple/XRP, and a bit of science fiction future visions for how cryptocurrencies might work in the future. Thanks to Onecast.fm for the pod software. (Due to a software error, there's a lag between Eric's and Brad's voices which makes Eric talk over Brad in several spots. Apologies!)