Ripple Executive and Leadership Team

Brad Garlinghouse, the Chief Executive Officer at Ripple, directs the overarching corporate strategy and global vision for blockchain-based payment solutions. Garlinghouse manages high-level relationships with financial institutions and regulatory bodies to expand the adoption of the XRP Ledger. By overseeing the integration of digital asset technology into traditional banking frameworks, the Chief Executive Officer drives the company toward market leadership in cross-border transactions. This role involves constant collaboration with the Board to ensure long-term scalability and operational efficiency across international markets. Brad Garlinghouse maintains a focus on removing friction from global value exchange, ultimately positioning the firm as a primary provider of enterprise-grade financial infrastructure. Through strategic oversight of product development and market expansion, the Chief Executive Officer secures the competitive advantage necessary for sustained growth in the rapidly evolving digital finance sector.

Jon Bilich, the Chief Financial Officer at Ripple, directs all fiscal planning, capital allocation, and financial reporting processes. Bilich oversees the management of corporate assets, including the strategic utilization of the XRP token to support liquidity and ecosystem growth. By maintaining rigorous financial controls and ensuring compliance with global standards, the Chief Financial Officer provides the stability required for long-term innovation in blockchain technology. This leadership role involves close collaboration with the executive team to evaluate investment opportunities and assess the financial impact of new market entries. Jon Bilich drives the company's fiscal health by optimizing resource distribution across engineering and business development departments. Through the oversight of treasury functions and financial risk management, the Chief Financial Officer ensures that the firm remains well-positioned to scale its payment solutions. Bilich secures the financial foundation necessary for the company to continue transforming global cross-border transactions.

Dermot Murray, the Chief Revenue Officer at Ripple, directs global sales strategies and revenue generation efforts across all product lines. Murray oversees the expansion of the customer base, focusing on onboarding financial institutions to the XRP Ledger for cross-border payment solutions. By managing the sales pipeline and coordinating with regional teams, the Chief Revenue Officer ensures consistent growth in market share and service adoption. This role involves developing strategic partnerships that drive the utilization of digital assets for institutional liquidity. Dermot Murray drives revenue performance by aligning sales objectives with the company's core mission of providing fast, low-cost transaction technology. Through the implementation of scalable sales processes, the Chief Revenue Officer supports the firm's goal of becoming the standard for global value movement. Murray maintains a focus on delivering measurable value to clients, ensuring that the company's revenue streams remain robust and aligned with long-term strategic goals.

Joanie Xie, the Managing Director at Ripple, oversees strategic operations and market development within the Asia-Pacific region. Xie directs the expansion of blockchain payment solutions, ensuring that financial institutions across these key markets utilize the XRP Ledger for efficient cross-border settlements. By managing regional partnerships and navigating complex regulatory landscapes, the Managing Director facilitates the adoption of digital asset technology. This leadership role requires close coordination with global product teams to tailor solutions for specific regional requirements. Joanie Xie drives operational excellence by aligning local market needs with the broader corporate mission of enabling fast, low-cost transactions. Through the cultivation of institutional relationships, the Managing Director strengthens the company's footprint in high-growth economies. Xie ensures that regional initiatives contribute directly to the overall scalability and reliability of the global payment network, supporting the firm's objective of modernizing international finance.

James Puliafico, the Managing Director at Ripple, leads strategic initiatives focused on institutional client acquisition and service delivery within North American markets. Puliafico directs the implementation of blockchain-based payment infrastructure, ensuring that financial institutions leverage the XRP Ledger for secure and rapid asset tokenization. By overseeing the integration of digital payment solutions into existing banking workflows, the Managing Director optimizes transaction efficiency for enterprise clients. This role involves constant engagement with key stakeholders to refine service offerings and maintain high standards of operational performance. James Puliafico drives growth by identifying new opportunities for asset movement and liquidity management across the region. Through the management of cross-functional teams, the Managing Director ensures that client needs remain at the forefront of product evolution. Puliafico supports the company's mission by delivering robust, scalable technology that transforms how financial institutions handle cross-border value exchange.