Decoder with Nilay Patel

Recode Decode: Ripple CEO Brad Garlinghouse

May 20, 2019

Brad Garlinghouse, CEO of Ripple and former leader at major tech firms like Yahoo and AOL, dives into the transformative potential of blockchain for financial institutions. He discusses bridging the gap between traditional banks and cryptocurrencies, emphasizing the need for collaboration, not competition. Garlinghouse also reflects on the journey of crypto from skepticism to practical utility, the importance of regulatory dialogue, and how blockchain can revolutionize cross-border transactions. Additionally, he tackles the challenges facing both the unbanked and mainstream financial systems.

01:00:36

Episode guests

Brad Garlinghouse

AI Chapters

Episode notes

Intro

2min

Journey Through Tech and Innovation

4min

Navigating Innovation at Yahoo

14min

Examining the Flaws of Crowdfunding and Future Developments

3min

Revolutionizing Finance: The Role of Blockchain and Cryptocurrencies

18min

A Lighthearted Introduction and Product Promotions

2min

The Future of Banking in a Digital Era

13min

Navigating Regulatory Challenges and Online Identity Issues

2min

Navigating the Blockchain Hype: Substance Over Sensation

3min

Ripple CEO Brad Garlinghouse talks with Recode's Kara Swisher about bringing legitimate financial institutions into the formerly-sketchy world of blockchain and cryptocurrencies.

In this episode: Garlinghouse's background at Excite@Home, Dialpad, and Yahoo; the "peanut butter manifesto" memo he wrote at Yahoo; moving on to Silver Lake Partners, AOL, and then becoming CEO of Hightail; being recruited to Ripple; the appeal of blockchain and cryptocurrency; working with the banks, not against them; the coming revolution in cross-border transactions; why bitcoin speculators were actually "forward progress"; will there be one cryptocurrency to rule them all?; the "unbanked" people of the world; potential problems facing cryptocurrency; convincing regulators and established banks; why should a big bank like Citi work with Ripple?; who will disrupt the incumbents?; the actual uses of crypto for consumers; and Facebook and tech's responsibility.

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