This interview podcast features a conversation between Brad Garlinghouse and another speaker, focusing on Ripple's stablecoin RLUSD, XRP ETFs, and the SEC's regulatory approach to crypto. The discussion begins with an overview of RLUSD's role within Ripple's payment system and its competitive landscape against other stablecoins like USDC and Tether. The conversation then shifts to the recent surge in XRP ETF filings and the speaker's prediction of increased market demand for such products, despite potential SEC hurdles. Finally, the interview delves into the broader regulatory challenges facing the crypto industry in the US, contrasting the US approach with more progressive regulatory frameworks in other global financial centers. A key takeaway is the speaker's prediction that the SEC's current approach is unsustainable and that regulatory clarity will eventually lead to positive outcomes for the crypto market, including potential future IPOs for Ripple.