Ripple CEO Brad Garlinghouse has built one of the most recognizable brands in crypto, backed by one of its most vocal communities. But speaking at Consensus Miami on May 5, he was quick to draw a line between loyalty and tribalism. Ripple is a San Francisco-based fintech company focused on building payment infrastructure for financial institutions using blockchain technology. Founded in 2012 by Chris Larsen and Jed McCaleb, it developed the XRP Ledger and uses XRP (XRP) as a bridge currency to facilitate fast, low-cost cross-border transactions. Garlinghouse joined Ripple in April 2015 as its first Chief Operating ... (full story)