14 years ago, we got together with an idea to build a better way to move value. What happened next was something none of us could have built alone.
And by "us," I don't just mean the three of us.
I mean the developers, validators, businesses, community members, and everyone who helped shape XRP into what it is today.
Happy Birthday, XRP!
This is not hyperbole.
1) 'Banks' authored Article 8 of the UCC
2) 'Banks' financed ALL major wars & genocide
(Article 8 of UCC removes your absolute property rights as of ~ 1990s)
Facts are inconvenient. 🤨
https://t.co/e9JEXNAr5u
The x402 facilitator is now live on the XRPL.
AI agents can now pay for services using $XRP and $RLUSD - no API keys, no accounts, no friction.
Get started at https://t.co/WMR8ac4Z5h
D Schwartz, this mighty community wouldn't exist without you - nor the inventions of Proof of Association, the DEX, smart escrow, continuous auction in an AMM... I could go on! I deeply respect your ingenuity, integrity, humor and humility, which you demonstrate daily (starting my first week at Ripple when you patiently explained merkle trees to me). You've always been ahead of your time, so I'm excited to see what you tinker into existence next to glimpse into the future - once and always an XRPL dev.
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
The GENIUS Act now goes to the President’s desk, and the CLARITY Act moves forward to the Senate – at long last, there’s movement on workable, clear frameworks for crypto and stablecoins that will both foster innovation and protect consumers. This is exactly what the American people have been asking for.
@NFAdotcrypto 589 becomes more than a number — it is a cipher of transformation, where the divine ratio whispers through the visible spectrum and spirit (φ) is shaped into matter (Au). A hidden glyph of alchemy, it marks the human power to bring heaven into the world.
@NFAdotcrypto 589 bridges both — as the wavelength of light that appears golden and as a symbol of visionary manifestation — so it becomes a cryptic numerical glyph representing humanity’s potential to bring the divine (φ) into physical form (Au).”
🚨 Pay attention to this.
On June 3rd, UK lawmakers from both the House of Commons and the House of Lords are coming together with crypto industry leaders to discuss how blockchain, tokenization, and digital assets will shape the future of the UK economy.
This isn’t another panel.
It’s a government-level strategy session on Web3.
✅ Held inside the Houses of Parliament
✅ Led by the All-Party Parliamentary Group (APPG)
✅ Fully booked due to overwhelming demand
✅ Focus: Blockchain, Tokenization, Cryptoassets, and UK Digital Policy
This confirms what many have been saying:
Regulation is being built right now.