How does Brad Garlinghouse say Ripple is moving past the SEC’s war on crypto?

Ripple CEO Brad Garlinghouse has announced that the long-running lawsuit with the U.S. Securities and Exchange Commission (SEC) is finally behind the company, marking a pivotal shift toward innovation and growth. In a statement to Crypto News Australia, Garlinghouse said Ripple is “moving past the SEC’s war on crypto,” as the SEC dropped its appeal in mid-April, ending a battle that began in December 2020. This development follows Judge Analisa Torres’s mixed ruling—which cleared XRP token sales on public exchanges from being securities but flagged institutional sales—and signals a more supportive regulatory backdrop for Ripple and the wider digital-asset industry.

The legal fight strained Ripple’s resources and clouded XRP’s market performance, yet the company continued to expand partnerships and product offerings. With the SEC’s retreat, Ripple can now redirect its focus to scaling payment solutions like RippleNet and central bank digital currency (CBDC) projects, unimpeded by litigation uncertainty. For traders who want fast, cross-chain transfers of XRP or stablecoins

offers a seamless interface to swap and bridge tokens across multiple blockchains, aggregating the best liquidity sources in one place.

In December 2020, the SEC sued Ripple Labs, alleging that its XRP token sales constituted unregistered securities offerings. The complaint targeted $1.4 billion in token sales, including $728 million to institutional investors, and named CEO Brad Garlinghouse and co-founder Chris Larsen personally. Ripple countered that XRP is a currency—like Bitcoin or Ether—and not subject to securities law. The case raised critical questions about how U.S. regulators classify digital assets and set the stage for years of court filings, appeals, and public debate.

Throughout this period, Ripple maintained transparency with its community, publishing legal updates and engaging regulators. The resolution of the remaining institutional claim hinges on the proposed $125 million settlement, but with the public-market fight settled, Ripple views the major legal hurdle as cleared.

The SEC lawsuit cast a shadow over Ripple’s ability to onboard new partners and enter markets. Banks and payment providers cautiously paused or declined integrations, uncertain of regulatory risk. Despite this, Ripple forged ahead with key alliances—such as SBI Remit in Japan and Banco Santander in Europe—demonstrating demand for its real-time, low-cost cross-border payment network, RippleNet.

Note:

To move funds between RippleNet on XRapid or other networks smoothly,

aggregates liquidity from major DEXs, allowing businesses to swap and bridge XRP without juggling multiple bridges or approvals.

XRP’s price volatility amplified during legal milestones. Following the July 2023 ruling, XRP surged over 25% in a few days but retreated as institutional clarity remained pending. Trading volume on U.S. exchanges fluctuated, with many platforms delisting or restricting XRP trading to avoid compliance issues. Now, as regulatory risk wanes, exchanges are re-listing XRP, improving liquidity. Traders tracking on-chain flows can use the

to watch large XRP transfers and anticipate market moves.

In his April 2025 remarks, Garlinghouse emphasized that the dismissal of the SEC’s appeal frees Ripple from “fighting in court” and allows a return to core priorities: expanding payment corridors, enhancing developer tools, and pursuing regulatory clarity. He highlighted the importance of collaboration with progressive regulators in the UK, Singapore, and the Middle East, contrasting these friendly environments with the U.S. litigation era.

Ripple plans to accelerate development in three main areas:

1. RippleNet Upgrades

2. CBDC and Central Bank Partnerships

3. DeFi and Institutional Solutions

Tip for developers:

To swap collateral tokens or stablecoins into XRP for ODL testing, use Jumper Exchange’s

tutorials on cross-chain swaps and bridge setups.

RippleNet remains the backbone of Ripple’s payment mission, connecting banks, payment providers, and FX brokers on a unified network. Members access:

Pilot programs in Mexico–US remittances and Asia–Europe trade corridors have shown cost savings of up to 60% compared to SWIFT. Payment processors can source liquidity across chains seamlessly. For quick cross-chain liquidity provisioning, platforms like

help onboard stablecoins and XRP into RippleNet in minutes.

Central banks worldwide are exploring digital versions of their currencies to improve domestic and cross-border efficiency. Ripple’s solutions include:

Ripple’s sandbox partnerships in the Bahamas and Bhutan demonstrate real-world viability. When central banks need to test cross-chain transactions, they can use Jumper Exchange’

to monitor digital currency flows and liquidity status.

With U.S. litigation waning, Ripple is doubling down on regions offering clear digital-asset frameworks:

These jurisdictions provide license certainty and safeguard compliance. Businesses looking to move assets between these regions benefit from cross-border bridges—tools such as

t companies swap local stablecoins into XRP or other digital assets with minimal fuss.

Ripple advocates for rule-making rather than rule-enforcement. Its policy team sits on industry working groups, helping draft guidance on token classification and custody. The company’s “Digital Asset Chartbook”—published quarterly—tracks legislative progress in over 40 countries, serving as a reference for policymakers and enterprises alike.

Ripple’s developer portal hosts SDKs for Java, JavaScript, and Python, enabling rapid dApp prototyping on XRP Ledger. Upcoming releases include:

Hackathons and grant programs award funding to projects that build on these tools. For developers seeking funding and cross-chain interoperability demos, the

walks through setting up testnets and bridging tokens for interoperability tests.

Post-lawsuit, Ripple is reinforcing trust through:

This transparency underpins institutional solutions, assuring banks and enterprises that Ripple’s network meets rigorous standards.

Managing crypto portfolios—whether it’s XRP for ODL, CBDC test tokens, or stablecoins—can be complex

addresses this by aggregating liquidity across leading networks (Ethereum, BSC, Polygon, Solana) into a single, user-friendly interface. Instead of manually approving multiple bridges and DEX transactions, you select your source and target assets, and Jumper routes your swap through the most efficient path, minimizing fees and slippage. The integrated

provides live insights into your transfers, so you know exactly when assets arrive on RippleNet or other environments ⚡.

Beyond simple swaps, J

offers on-demand tutorials that demystify cross-chain mechanics—from wallet configuration to slippage settings—and its

walks you through your first multi-chain transaction. For Ripple partners, this means you can quickly convert USD-backed stablecoins into XRP for on-demand liquidity tests or move XRP between test and mainnet environments without worrying about fragmented docs or hidden gas spikes.

The end of the SEC’s appeal marks more than a legal victory—it ushers in a new era for Ripple, where product innovation and global expansion take center stage. With regulatory clarity improving and a robust ecosystem of developers, partners, and central bankers, Ripple is positioned to scale blockchain-powered payments and digital-asset solutions worldwide. By combining traditional financial expertise with decentralized technology—and using tools like

to manage cross-chain liquidity—businesses and developers can accelerate time-to-market and capitalize on the promise of frictionless value transfer.