In this episode of Investing In Integrity, Ross Overline has an insightful conversation with Chris Larsen, a well-known personality driving innovation in the financial system. Chris is the Executive Chairman and Co-Founder of Ripple.

Chris co-founded Ripple to use blockchain technology and digital assets to enable financial institutions to send money across borders, instantly, reliably, and for fractions of a penny. Before Ripple, Chris co-founded and served as CEO of Prosper, a peer-to-peer lending marketplace, and E-Loan, one of America's first online mortgage lending service providers and now a publicly traded online lender.

Chris reflects on Ripple's three-year battle with the SEC, grateful for the positive outcome while acknowledging the vital role the SEC plays in preventing fraud. He critically assesses the SEC's approach to crypto regulation, asserting that their power play has unintentionally pushed crypto innovators offshore, causing harm to the industry. Chris sheds light on a legal precedent that distinguishes cryptocurrencies like XRP as commodities, emphasizing its significance in shaping the regulatory landscape of the industry.

Chris and Ross delve into the challenges posed by climate change, and those affecting San Francisco. The conversation explores the various initiatives designed to tackle these challenges, shedding light on the critical role of public finance in this context.