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Jack McDonald

CEO, Standard Custody

Search every verified Jack McDonald interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Jack McDonald, SVP of stablecoins at Ripple, discussed institutional adoption of stablecoins in a September 2026 interview with Alice Nawfal, president and co-founder of Notabene. He described the "last mile" as a key challenge, noting that cross-border payments can settle on-chain quickly but may then face delays with payout partners in secondary markets, a factor he said newer entrants often underestimate. McDonald also cited regulatory clarity, infrastructure, and education as three factors influencing institutional adoption, and emphasized the importance of institutions having confidence in their counterparties in a new digital asset landscape. McDonald, who joined Ripple two and a half years ago after Ripple acquired his company Standard Custody and Trust, said the infrastructure solutions built by firms like Ripple and Notabene are largely in place to meet customer demand. He expressed a vision that within five years, blockchain-based settlement rails and stablecoins would become integrated into a single operating system for capital markets and payments, with incumbents and innovators converging and regulatory support in place.

Recent appearances

Notable quotes

“I go back to in part the the regulatory and and the compliant side of that and I think that's part of the power of the of the partnership that we have. I think institutions are used to understanding who their counterparties are, who their customers are, a lot of that has to do with regulatory licenses, etc. And so when you evolve into a new landscape with different types of players, institutions want to have comfort ”

“I think about three different factors that are drivers or hurdles to institutional adoption and in no particular order of importance. Their regulatory clarity, their infrastructure and their education and I think the infrastructure side of it, the solutions that you and we build are largely there to meet the customer demand. they will continue to evolve over time as use cases evolve and scaling evolves. But I think b”

“If the banks don't like it, they should get in into the business of actually launching a stable coin. And they've got their own challenges around doing that, but the Genius Act actually affords them certain advantages vis-à-vis other non-bank issuers uh to do that. So it'll be an interesting playing field to see how how things shake out.”

“We use BNY as our primary reserve custodian. We do monthly attestations with Deloitte. We're at all the major exchanges. Most recently announced a integration with OKX last week for both spot and and derivative and perp trading and the use of collateral. We're on Binance and Kraken and you know, all the majors.”

“They're getting more and more comfortable wanting to use a stablecoin like RLYUSD as good collateral. And if we can get the the clearing counterparties and the exchanges in the traditional finance world and the regulators comfortable with that as well, that is just a massive massive unlock. And we've seen some uh very positive signals just recently out of the SEC that essentially wrote a a no action letter on the tre”

“If the banks don't like it, they should get in into the business of actually launching a stable coin. And they've got their own challenges around doing that, but the genius act actually affords them certain advantages visa-vie other non-bank issuers uh to do that. So, it'll be an interesting uh playing field to see how how things shake out.”

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