Brad Garlinghouse, CEO of Ripple Labs, is an American entrepreneur and veteran tech industry executive.
Garlinghouse joined Ripple in late 2016. He was personally appointed by Larsen, who then transitioned to serving as executive chairman of Ripple's board of directors.
At the Yahoo Finance All Markets Summit in February 2018, Garlinghouse spoke on behalf of Ripple, saying he did not believe that XRP or any other crypto token should be considered "currency," and that the correct term is "digital asset."
Garlinghouse said in November 2018 that Ripple is replacing banks' use of SWIFT (the Society for Worldwide Interbank Financial Telecommunication) for international payments. Pushing back on rumors that Ripple was working with SWIFT, Garlinghouse told reporters, “What we’re doing and executing on a day-by-day basis is, in fact, taking over SWIFT.” 
Garlinghouse has worked in executive roles in many high-profile companies, such as AT&T, Yahoo!, and AOL. Earlier in his career, he also worked as the CEO of Dialpad Communications Inc., an international telecommunications company, as well as numerous other corporate leadership roles in the tech and telecommunications industries.
The "Peanut Butter Manifesto"
Garlinghouse became known for what was dubbed "The Peanut Butter Manifesto" while working as a senior vice president at Yahoo! in 2006. In it, he cited problems the company was dealing with that he felt could be improved upon - namely, that it was spreading its resources too thinly, like peanut butter on a slice of bread. His remedy for the problem included focusing on the company's vision, restoring accountability, and executing a radical reorganization.
He earned a bachelor's degree in economics from the University of Kansas, and an MBA from Harvard University.
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