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David is the CTO of Ripple and one of the original architects of the XRP Ledger. Prior to Ripple, David spent over a decade as the CTO of WebMaster Incorporated where he developed encrypted cloud storage and enterprise messaging systems. David is also known by his internet pseudonym \u201cJoelKatz\u201d. Follow him on X @JoelKatz.

[0:16] - What sparked David\u2019s interest in distributed systems

[3:28] - How David discovered Bitcoin

[6:34] - The core technical innovations of Bitcoin

[8:56] - Ripple\u2019s opportunity in payments

[12:45] - Misconceptions related to Ripple

[19:03] - Rebuilding SWIFT from a blank slate

[22:37] - Why David believes the future of crypto favors niches

[28:36] - The importance of blockchain interoperability

[31:47] - David\u2019s views on tokenization and real world assets (RWAs)

[35:12] - Preventing centralized actors from co-opting blockchains

[42:26] - Balancing censorship resistance with institutional adoption

[47:50] - What excites David about the future of Ripple

For more episodes, go to\xa0\u2060\u2060podofjake.com\u2060\u2060.

Previous guests include\xa0\u2060\u2060Mark Cuban\u2060\u2060,\xa0\u2060\u2060Vitalik Buterin\u2060\u2060,\xa0\u2060\u2060Brian Armstrong\u2060\u2060,\xa0\u2060\u2060Balaji Srinivasan\u2060\u2060,\xa0\u2060\u2060Keith\u2060\u2060\xa0\u2060\u2060Rabois\u2060\u2060,\xa0\u2060\u2060Ali Spagnola\u2060\u2060,\xa0\u2060\u2060Anthony Pompliano\u2060\u2060,\xa0\u2060\u2060Raoul Pal\u2060\u2060,\xa0\u2060\u2060Julia Galef\u2060\u2060,\xa0\u2060\u2060Jack Butcher\u2060\u2060,\xa0\u2060\u2060Tim Draper\u2060\u2060, and over 100 others alike. Learn from founders and CEOs of companies like\xa0\u2060\u2060OpenAI\u2060\u2060,\xa0\u2060\u2060Coinbase\u2060\u2060,\xa0\u2060\u2060Solana\u2060\u2060,\xa0\u2060\u2060Polygon\u2060\u2060,\xa0\u2060\u2060AngelList\u2060\u2060\u2060,\xa0\u2060\u2060Oura\u2060\u2060\u2060, and\xa0\u2060\u2060Replit\u2060\u2060, and investors from\xa0\u2060\u2060Founders\u2060\u2060\xa0\u2060\u2060Fund\u2060\u2060,\xa0\u2060\u2060a16z\u2060\u2060,\xa0\u2060\u2060Union Square Ventures\u2060\u2060, and many more. I appreciate your support and hope you enjoy.

Thanks to\xa0\u2060\u2060\u2060Chase Devens\u2060\u2060\u2060\xa0for the show notes and\xa0\u2060\u2060\u2060Yiction\u2060\u2060\u2060\xa0for the music.

Lastly, I love hearing from fans of the pod. Feel free to email me any time at\xa0\u2060\u2060jake@blogofjake.com\u2060\u2060. Thank you!