 Hi, my name is Joe Hall with Cointelegraph. I'm here today with Brad from XRP. How do you say, Brad? Very good. And we've just come off your very interesting talk this morning, part of the Filecoin Foundation. And you brought up some really interesting points. The first one was regarding that crypto is no longer a bad word in Davos. What we like to hear, right? Yeah, for sure. What's it going to take for crypto to be the word in Davos? Well, I think the trend line is positive. As I said, three or four years ago, I remember I was just arriving and my time zones were all messed up. And somebody said to me, they were certain that crypto still is a bad word in Davos. And I think we've come a long way as evidenced by the fact that just the things like Filecoin Foundation, I mean, just the presence of crypto here in Davos is dramatically different. On stage now, we have the FTX president, the number of speakers here from crypto. I think leaders across the world learn how these technologies can actually benefit their constituents, benefit their economies. They're going to use them because they actually, there are real benefits. And so I think we're seeing that happen every day. And two years from now, I think it'll be even more positive. Fantastic. Yeah, I mean, we're here on the backdrop of, you know, there's NFTs and crypto here, just in front of as well, looking down onto the weft. You mentioned something really interesting regarding NFTs and nebbing a real use case with carbon credits. Could you perhaps expand on that point today? So the, well, I have been a little bit critical. NFTs, I think back in December I was interviewed and I said that they were underhyped despite the fact that there's obviously a lot of hype in certain parts of the NFT market. I think the tokenization of various assets is underhyped. And so one of the examples I talked about on stage with the CNBC team was this idea around carbon credits. And so the carbon credit marketplaces have been challenged because of, frankly, fraudulent carbon credits and people trading what actually aren't carbon credit offsets. And the ability to have the traceability, the ability to have an open, you know, visible to anyone trading is, I think, very important can really, I think revolutionize how carbon credit marketplaces and the efficacy of carbon credit marketplaces. Ripple just announced last week our commitment to invest $100 million in that segment and a few other announcements come into that regard. But we're excited to use the XRP ledger for that purpose because of its scalability and low cost. Absolutely. Yeah. I mean, regarding that speculation and this hype that often comes up in crypto, we're now in this sort of crypto winter and against the backdrop of perhaps a global recession, you know, Bitcoin's around 30K mark, I think at the time of the recording. Yeah. And you mentioned again that there should be some real use cases and real utility in 2022. Would you be able to share with us what those are in your eyes? Well, what Ripple has been focused on for years is really the real use case of cross-border payments and that there's a lot of friction and cost associated with moving money across borders. And it's usually quite slow, quite expensive and frankly, very error prone. So we use XRP for that purpose and it has driven, you know, billions and billions of dollars of transactions through XRP using that as a very efficient low cost bridge. But I do think, you know, I don't think we're living in a single chain world. You know, I've spoken critically about kind of tribalism in crypto and I think it's a multi-chain world. There are going to be a lot of different utility use cases. Ripple just used, focused, you know, primarily on that obviously this new initiative we've announced around the carbon credit marketplace. But I think there's going to be a myriad of different chains focused on different use cases. Ripple is going to continue to focus on enterprise use cases. But there's a lot of consumer use cases I think are interesting. Certainly Filecoin is one that has been around for a while and I don't know what kind of traction they've had, but I think a compelling use case. Okay, very good. Anything else you'd like to disclose today? I know your time is very precious at a conference like this. It's great to be here and very nice to meet you, Joe. Thank you. Pleasure as well, guys. Thank you very much. That was Joe Hall with a Cointelegraph interview.