Grumpy Hodler

[Grumpy Hodler @GrumpyHodler]

@UpholdInc Happy Friday indeed.

[Brad Garlinghouse @bgarlinghouse]

The “Anti-Crypto Army” was defeated…
by the courts…
by the voters.
And by Trump.

It never made policy, legal or political sense.

Combatting financial innovation only helped protect those that wanted to keep an old, often broken, system in place.

[Stuart Alderoty @s_alderoty]

This is the moment the crypto industry has been fighting for. A 15-9 bipartisan vote is a monumental outcome - and a clear signal that Washington gets it. Thank you @SenTimScott, @SenAlsobrooks, @SenBernieMoreno, @RubenGallego and all the members of the Senate Banking Committee for getting this done.

[Brian Armstrong @brian_armstrong]

The crypto market structure bill has PASSED the Senate Banking Committee with a bi-partisan vote!

Historic day for crypto and for the future of digital assets in America. Grateful for the countless hours from lawmakers and staff to strengthen this legislation. Big improvement from where we were in January on rewards, tokenization, DeFi, and CFTC authority. I'm proud we stood up for our customers in that moment, and the bill is better because of it.

Looking forward to a bipartisan law that cements the US as the world's crypto capital. Let's get CLARITY done.

[Johnny Krypto (Good Evening Crypto Co-Host) @johnnykrypto00]

🚨Must See TV🚨 Listen to @JoelKatz talk about the clarity act and what it could mean for the @crypto industry @XRPLV2026 Conference! #ripple

[Brad Garlinghouse @bgarlinghouse]

@el33th4xor Glad to know we’re living rent-free in your head…

[Grumpy Hodler @GrumpyHodler]

@UpholdInc Who doesn't love xrp?

[Altcoin Daily @AltcoinDaily]

crypto pumping or dumping we still have fun

[Brad Garlinghouse @bgarlinghouse]

As far as committees go…this is the Olympics crypto roster

[Dave Portnoy @stoolpresidente]

Crypto is crashing but I’m still buying #DDTG

[Brian Armstrong @brian_armstrong]

If you don't know, now you know.

[DustyBC Crypto @DustyBC]

🚨 Coinbase’s CEO said live on Fox that major banks are trying to kill the president’s crypto agenda, claiming they are trying to kill crypto.

[Brad Garlinghouse @bgarlinghouse]

Happy belated New Year! I just hit send on Ripple’s quarterly shareholder email. To say that 2025 (and Q4) were successful for Ripple feels like saying @TomBrady was just a great quarterback!! (#theGOAT)

Our two major acquisitions - Ripple Prime and GTreasury - greatly accelerate and expand our ability to deliver on our vision, enabling the Internet of Value. XRP has been (and will continue to be) the heartbeat of that vision.

With truly the most comprehensive licensing portfolio (and now today UK’s EMI license added) we are poised to make 2026 even more consequential.

Building and using crypto infrastructure, updating our global financial plumbing, and rethinking legacy systems – none of this happens overnight. At Ripple, we’re going to continue taking the long view of what crypto-based assets – like XRP and RLUSD – can do, rather than chasing cycles and hype.

Bring on 2026. We are firing on all cylinders. It’s happening!

[Ripple @Ripple]

Ripple Swell: We’re collaborating with @Mastercard, WebBank, and @Gemini to introduce $RLUSD settlement on the XRP Ledger for fiat credit card payments, starting with the Gemini XRP Credit Card: https://t.co/lMQ5qnthLT

This initiative sets a new benchmark for institutional efficiency, enabling faster, compliant, and more transparent settlement within traditional finance.

The future of payments is here.

[Brad Garlinghouse @bgarlinghouse]

With today’s close of Hidden Road (now Ripple Prime), Ripple has announced 5 major acquisitions in ~2 years (GTreasury last week, Rail in August, Standard Custody in 2024, Metaco in 2023). As we continue to build solutions towards enabling an Internet of Value – I’m reminding you all that XRP sits at the center of everything Ripple does. Lock in.

[Ripple @Ripple]

We’re excited to welcome @patrickjwitt from the White House's Digital Assets Council to our keynote speaker lineup at Ripple Swell 2025.

This is a conversation you can't miss.

LAST CHANCE: The deadline to request your invitation to attend is tomorrow, October 24th.

Join us in NYC, November 4-5: https://t.co/uV5oKjYGaq

[Dom Kwok | EasyA @dom_kwok]

good thing so many of you said yes!

[Brad Garlinghouse @bgarlinghouse]

Today, Ripple is breaking into the $120T corporate treasury payments market with the $1B acquisition of GTreasury.

The past few years have reminded this industry why payments, first and foremost, is THE primary use case for crypto and blockchain. Payments are where Ripple first started for exactly these reasons – the infrastructure is complex, siloed and inefficient, but as we know, perfectly positioned to benefit from decentralized financial technologies.

Astounding amounts of cash are trapped in outdated payments systems, creating friction, unnecessary costs, and barriers to entering new markets. GTreasury has been serving some of the most well known brands for decades – and now together with Ripple, we’ll be able to help CFOs manage all their assets, include stablecoins, tokenized deposits, etc at scale around the world, as well as put their idle capital to work with repo markets via Hidden Road.

The opportunity is here, and we’re diving right in. It’s happening!

https://t.co/GCXS6QqNqt

[Brad Garlinghouse @bgarlinghouse]

The smartest (and maybe the funniest) person I know. A true OG in crypto with the conviction and vision to see what others couldn’t - you are a legend. Thank you David for everything you’ve done for the industry, for Ripple and for the XRP Ledger. We are all forever grateful… and in awe of your immense impact.

I’m not taking our weekly check-ins off the calendar though… and am glad you won’t be far as you join the Ripple board, continuing to impart your deep crypto wisdom and guidance on what we’re building. Wait...does this mean you’re my boss now!?!

[David 'JoelKatz' Schwartz @JoelKatz]

As happens in one’s life, I’ve been taking stock of my last 40 years. It’s been a wild ride. I’ve gone from consulting for the NSA to watching the early stages of Bitcoin. Then, I met Arthur, Jed, and Chris and worked on coding the XRP Ledger. Now, I’ve spent more than 13 years at Ripple.

I can’t begin to explain the depth of my gratitude to this company, the people who work here, and the community that surrounds XRPL. It’s been one of the greatest honors and experiences of my life, second only to my amazing family.

The time has come for me to step back from my day-to-day duties as Ripple CTO at the end of this year. I’m really looking forward to spending more time with the kids and grandkids and going back to the hobbies I set aside. But be warned, I’m not going away from the XRP community. You haven’t seen the last of me (now, or ever).

The last few months I’ve been tinkering on the side – spinning up my own XRPL node and publishing its output data, researching other use cases for XRP (besides what Ripple is focused on), and more. I truly enjoy this part — getting my hands dirty, talking to builders, coding for the pure love of it — and I’m really excited to get back to that. More to come on this very soon, I’m sure.

But back to gratitude — to Brad and Monica — leaders who have been here nearly as long as I have, and are the very soul of Ripple itself. To Chris, who took a huge leap of faith and never wavered. To Arthur, who had the big ideas every time we needed them. To the RippleX team, ledger developers, community members, builders, and everyone else — it’s been an honor being in the trenches with you all. Thank you for everything you have done for the XRPL. I have total confidence in the next generation of leaders and builders – including Dennis Jarosch (Ripple’s SVP of Engineering) – and far too many others to name in the XRP community who will carry the torch.

I’ll still be in and out of the Ripple office as CTO Emeritus, and as my last task at Ripple, Chris asked me to join Ripple's Board of Directors to continue supporting the company’s mission and long-term vision...and I accept!

I look forward to seeing the rest of you at XRP community events around the world.

– JoelKatz