Ripple
This company is in the pipeline of America 2030, IPO CLUB’s $50M, actively managed secondary fund focused on U.S. defense, energy, security, and AI.
Updated in January 2026
Headquarter: San Francisco, California, USA
Year Founded: 2012
Leadership: Brad Garlinghouse
Industry Sectors: Blockchain technology; Cross-border payments; Digital asset infrastructure; Financial services
Funding Round: $200M Series C (2019)
Valuation: ~$11.3B
Is Ripple A Public Company? No, it is currently private
What Is Ripple?
Ripple is a U.S.-based financial technology company founded in 2012 by Chris Larsen and Jed McCaleb, with headquarters in San Francisco, California. The company develops blockchain-based solutions designed to enable faster, lower-cost cross-border payments for banks, payment providers, and financial institutions. Ripple’s mission is to modernize global money movement by replacing slow, expensive correspondent banking infrastructure with real-time, internet-native payment rails.
Technology & Products
Ripple’s core technology stack includes RippleNet, a global payments network that allows financial institutions to send and settle transactions end-to-end with transparency and near-instant settlement. Ripple is closely associated with the XRP Ledger, a decentralized blockchain optimized for payments, on which the digital asset XRP is used as a bridge currency to facilitate liquidity between different fiat currencies. Ripple’s products focus on on-demand liquidity, messaging, settlement, and compliance tooling, enabling institutions to reduce pre-funded accounts and improve capital efficiency in cross-border transactions.
Market Opportunity
Ripple operates in the massive global cross-border payments market, where trillions of dollars move annually through systems that are often slow, opaque, and costly. Banks, remittance providers, and fintech companies face growing pressure to offer real-time, low-cost international transfers, particularly for emerging markets and high-volume corridors. As digital assets and blockchain-based settlement gain regulatory clarity in certain regions, Ripple is positioned to serve financial institutions seeking modern alternatives to SWIFT-based workflows and legacy correspondent banking.
Competitive Landscape
Ripple competes with traditional payment networks, messaging systems, and blockchain-based payment platforms. Its differentiation lies in combining a permissioned enterprise network with access to public blockchain liquidity, enabling faster settlement without requiring institutions to overhaul their entire infrastructure. While incumbents benefit from global reach and regulatory entrenchment, Ripple positions itself as a technology-driven challenger, focused on real-time settlement, liquidity optimization, and interoperability between fiat and digital assets.
How To Buy Ripple Stock?
Ripple is currently a private company and is not publicly traded on major stock exchanges like the NASDAQ or NYSE. This means you can buy shares through a pre-IPO platform or brokerage like IPO CLUB.
The price of Bitcoin hit record highs after President-elect Donald Trump’s win. Ripple CEO Brad Garlinghouse explains why the crypto industry poured millions into super PACs ahead of the election. "60 Minutes" is the most successful television broadcast in history. Offering hard-hitting investigative reports, interviews, feature segments and profiles of people in the news, the broadcast began in 1968 and is still a hit, over 50 seasons later, regularly making Nielsen's Top 10.
Ripple and America 2030 Latest News
Stay up-to-date with all the latest news about Ripple stock, IPO, and investment opportunities. By clicking here, you'll access real-time updates and in-depth analysis from market experts, empowering you to make informed decisions about your investment journey. Whether you're a seasoned investor or just getting started, our platform is tailored to provide you with all the crucial information you need to navigate the thrilling world of the stock market and IPOs. Dive in and keep your finger on the pulse of the financial markets.
October Update on Live Investments, Covering the Previous 90 Days