A document claiming to capture Ripple CEO Brad Garlinghouse’s response to SWIFT’s latest blockchain announcement has stirred debate across the crypto sector. A supposed shareholder letter circulating online drew attention for its bold claims, but was widely criticized for obvious inconsistencies.
Rather than reflecting Garlinghouse’s polished communication style, it contained misspellings, awkward phrasing, and formatting errors.
Prominent community commentator Crypto Eri ~ Carpe Diem was among the first to question the document’s authenticity. She stressed that Garlinghouse’s official communications are always precise and eloquent, and that no legitimate shareholder letter would contain such mistakes.
Re: the SWIFT comment to shareholder letter. @bgarlinghouse writes eloquently, with excellent vocabulary, and proper punctuation. A communication to shareholders would not have misspelled words. Is this letter circulating a poorly written third party transcript? Or just fake?…
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Crypto Eri ~ Carpe Diem (@sentosumosaba) October 4, 2025
Her observations raised the possibility that the text was either a clumsy transcript of remarks or an outright fabrication, prompting wider scrutiny from analysts and researchers.
How the Memo Spread
The document did not come from Ripple’s verified channels or Garlinghouse’s official accounts. Instead, it appeared through independent commentators and was circulated across social media without clear attribution. That lack of provenance was a significant red flag, given Ripple’s highly controlled process for shareholder communication.
Why Experts Say It’s Fake
Analysts examining the text have pointed to numerous flaws inconsistent with Ripple’s corporate standards. The uneven punctuation, typographical errors, and uncharacteristic phrasing suggest Ripple’s investor‑relations team didn’t produce it.
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Shareholder communications linked to major industry developments, such as SWIFT’s blockchain initiatives, undergo rigorous internal review. Experts believe the document is likely either a poorly transcribed version of a real statement or a deliberate forgery, rather than an authentic one.
A Familiar Problem in the XRP Space
The XRP community has faced repeated attempts to spread misinformation through impersonation. Over the past year, deep‑fake videos of Ripple executives, hacked social media accounts, and fabricated announcements have circulated widely, often timed to coincide with market‑moving news.
The “shareholder letter” fits this pattern, exploiting Ripple’s prominence and Garlinghouse’s credibility to influence sentiment. To stay informed, community members should rely on official channels: Ripple’s website, press releases, or Garlinghouse’s verified channels. Treat any information from other sources as unverified until confirmed.
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