#美国就业数据表现强劲超出预期 Architect of the Ripple Network: How to Make Cross-Border Payments as Simple as Sending and Receiving Emails

In the cryptocurrency space, there is a personal story worth noting—he chose not to fight against traditional finance, but instead decided to directly transform it.

Chris Larsen, co-founder of Ripple, has spent nearly two decades building an ambitious system. His idea is actually quite simple: why are cross-border payments so complicated, so slow, and so expensive?

**Real data speaks**

In 2025, the ODL (On-Demand Liquidity) system led by him has been processing trillions of dollars in cross-border transfers. This is not a concept, but real money flowing between banks, payment institutions, and crypto asset liquidity. The market value of XRP has surpassed 200 billion dollars, making it one of the few blockchain projects truly utilized by the traditional financial system.

**Personal Holdings and Wealth**

Larson personally holds around 2.6 billion XRP, with a personal wealth of about 7.8 billion USD. Such figures reflect how the market responds when you turn an idea into infrastructure.

**Current Layout**

After the dust settled on the Ripple and SEC lawsuit, the compliance path is advancing at full speed. Continuously expanding the ODL cooperation network with global banks and payment institutions is the true growth driver—not speculation, but usage.

Unlike the confrontational stance of most projects, he chose a harder path: to be the bridge connecting traditional finance and the crypto world.

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