Some of the people at Ripple I think are truly the smartest people I've ever worked with in my career, which makes it a lot of fun to go to work every day.
Some in the bitcoin community have always taken an anti-government, anti-fiat, anti-bank approach to their philosophy. Ripple takes the orthogonal side of each of those.
If Ripple as a company went away, XRP would continue to trade. To me, that's the definition of decentralization.
I think most of the ICOs you're seeing are not real token use cases. They're really securities, so I think the SEC should regulate that.
To me, if we're not failing a little bit, we're not trying hard enough. I think great cultures encourage risk and are tolerant of failure. If you don't do that, you're going to end up with a culture that is stagnant and not thinking about the next generation of products and experiences.
Blockchain is like the new big data or AI - too many people are using it as a buzzword and not focused solving a real problem. We like to call them Blockchain tourists!
Blockchain technologies will change transactions in a broad way.
