What to Know:
- Jazzi Cooper leads RippleX product strategy, covering protocol infrastructure, tokenization, decentralized finance, institutional credit and blockchain payments across the XRP Ledger.
- Her career includes Applico, AlphaSights, EarnUp and Strøm, supported by economics and philosophy studies at Claremont McKenna College in California.
- Cooper’s work connects XRP Ledger technology with stablecoins, liquidity, lending, tokenized assets, artificial intelligence and regulated institutional financial applications globally.
Jasmine “Jazzi” Cooper is a financial technology executive, entrepreneur and product leader best known for serving as Senior Director of Product at Ripple and Head of Product for RippleX, the company’s XRP Ledger-centered business unit.
At RippleX, Cooper defines product strategy covering the core protocol, supporting infrastructure and ecosystem improvements designed to expand practical cryptocurrency utility. Her responsibilities place her at the intersection of traditional finance, blockchain technology and artificial intelligence.
Before joining Ripple, Cooper worked across platform strategy, private equity research and mortgage technology while also establishing Strøm, a digital-first wealth management company designed for young professionals.
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Early Life and Education
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Public information concerning Cooper’s birthplace, childhood, parents and family remains limited because she has built her public profile primarily around financial technology, product development and blockchain infrastructure.
Cooper studied Economics and Philosophy at Claremont McKenna College, combining an understanding of markets and financial systems with philosophical approaches to reasoning, ethics and complicated social questions. She also attended Universidad Carlos III de Madrid, gaining additional international academic exposure.
While studying at Claremont McKenna College, Cooper founded and served as president of the institution’s buildOn chapter. The national nonprofit organization works to break cycles involving poverty, illiteracy and limited expectations through community service and school construction.
Her education provided a useful foundation for evaluating financial structures, making product decisions and examining how technological systems affect institutions and individual users.
Beginning Her Career at Applico
Cooper entered platform research and strategy at Applico in New York during June 2015, gaining early experience examining platform businesses and the commercial systems connecting companies, customers and service providers.
Although the position lasted three months, it introduced her to digital platform strategy and technology-led business models. These areas later became important as her career moved toward financial products and blockchain infrastructure.
Applico’s emphasis on platform economics also offered experience examining how networks increase their usefulness by attracting participants, an idea closely connected with developing open blockchain ecosystems.
Working Across Private Equity at AlphaSights
In August 2016, Cooper joined AlphaSights as an associate within its Americas Private Equity division in the San Francisco Bay Area. AlphaSights connects investors and business professionals with specialists possessing relevant industry knowledge.
Her position involved supporting private equity clients seeking specialized information for investment research and commercial decision-making. Consequently, Cooper developed experience interpreting business requirements, coordinating complicated research and working with financial organizations.
She advanced to Manager of Americas Private Equity in January 2018 and remained in the position until March 2019. Overall, Cooper spent approximately two years and eight months at AlphaSights before moving toward entrepreneurship and financial product development. The experience strengthened her knowledge of investment processes, professional research and the financial considerations influencing institutional decisions.
Founding Strøm
Cooper founded Strøm in March 2019 as a digital-first wealth management company serving young professionals. She remained involved with the San Francisco Bay Area business until March 2022.
Strøm sought to provide financial guidance through a technology-centered model designed around the circumstances facing younger customers. Building the company gave Cooper direct experience in entrepreneurship, customer research, product design and personal finance.
Her work required identifying financial challenges, developing suitable solutions and translating complicated information into products that users could understand. Moreover, Strøm strengthened her appreciation for customer-centered design before she moved into blockchain product leadership. Although Strøm and RippleX address different markets, both roles involve reducing complexity and making financial infrastructure more useful to its intended participants.
Managing Financial Products at EarnUp
Cooper joined EarnUp as a product manager in November 2019 and remained with the financial technology company until April 2021. EarnUp develops technology supporting mortgage payments and other financial obligations, placing Cooper within a sector involving lending, payment management and consumer financial health. Her role provided exposure to the infrastructure supporting loan servicing and recurring payments.
Working in mortgage technology also revealed the limitations of many traditional financial systems, including slow settlement, fragmented service providers and outdated payment processes. Furthermore, the position strengthened Cooper’s ability to balance customer requirements with product performance, institutional relationships and regulatory considerations.
Joining Ripple
Cooper joined Ripple as Senior Director of Product in May 2021, bringing experience across entrepreneurship, consumer finance, mortgage technology, private equity research and platform strategy. She assumed product leadership responsibilities within RippleX, the division concentrated on infrastructure, tools, services and programs supporting developers building applications on the XRP Ledger.
Cooper initially became widely recognized as Head of DeFi Product, leading tokenization and decentralized finance initiatives before taking broader responsibility as Head of Product for RippleX.
Her progression placed her within the teams guiding XRPL’s expansion from a blockchain primarily recognized for payments into infrastructure supporting tokenized assets, decentralized trading, stablecoins, institutional credit and additional financial applications.
Leading RippleX Product Strategy
As Head of Product for RippleX, Cooper defines strategy involving the XRP Ledger’s core protocol, technical infrastructure roadmap and ecosystem enhancements intended to enable real-world cryptocurrency utility.
Her work covers three interconnected areas: tokenization, financial protocols and supporting infrastructure. Tokenization allows currencies, securities and other assets to receive digital representations, while financial protocols introduce capabilities such as trading, liquidity management and lending.
Infrastructure includes the underlying components required to make those applications dependable, including price oracles, bridges, developer tools and payment systems. Rather than treating each feature as an isolated product, Cooper’s strategy seeks to create a connected financial environment where assets can be issued, transferred, traded, collateralized and settled through the same blockchain infrastructure.
Supporting Native NFTs on XRPL
One of Cooper’s earlier RippleX priorities involved adding a native non-fungible token standard to the XRP Ledger. Unlike NFT systems that depend entirely on independently written smart contracts, XRPL incorporates essential NFT capabilities directly within its protocol. This approach can simplify development while reducing costs and certain technical risks.
Native NFTs broadened the ledger beyond payments and fungible currencies by allowing developers to represent unique digital objects, credentials, ownership records and collectible assets. Although digital collectibles initially dominated the NFT market, the underlying functionality can also support licensing, authentication and tokenized representations of physical property.
Developing the Native Automated Market Maker
Cooper also helped advance the XRP Ledger’s native automated market maker, which expanded the network’s decentralized trading infrastructure. An automated market maker enables participants to contribute assets to liquidity pools, allowing other users to exchange tokens without depending exclusively on a conventional order-book counterparty.
XRPL already possessed a built-in decentralized exchange, but the AMM introduced an additional method for obtaining liquidity and completing trades. Combining order-book trading with liquidity pools created a more flexible environment for decentralized applications and tokenized assets. The protocol-level implementation reflects RippleX’s wider approach of incorporating important financial capabilities natively instead of requiring every developer to create separate smart contracts.
Advancing Real-World Asset Tokenization
Real-world asset tokenization represents another major part of Cooper’s product strategy. The process creates blockchain-based representations of instruments such as government securities, bonds, funds, commodities and real estate. Cooper has described XRPL as suitable for tokenization because the network was designed to issue, move and trade value efficiently.
However, institutional participation requires additional functionality involving compliance, privacy, transfer controls and asset information. RippleX has consequently supported features intended to make the ledger more suitable for regulated financial markets. These developments include Multi-Purpose Tokens, permissioned trading environments and infrastructure connecting tokenized assets with payments, liquidity and settlement.
Multi-Purpose Tokens and Permissioned Trading
Multi-Purpose Tokens provide issuers with greater control than ordinary fungible assets, making the standard suitable for regulated securities, bonds and other tokenized real-world instruments. The standard allows additional information and management features to be attached to an asset, helping issuers accommodate commercial or regulatory requirements.
RippleX has also advanced permissioned decentralized exchanges, where approved participants can trade within controlled environments while retaining blockchain-based execution and settlement. Together, Multi-Purpose Tokens and permissioned trading infrastructure could help financial institutions move regulated assets on-chain without abandoning important compliance and counterparty controls.
Building Institutional DeFi
Cooper’s work emphasizes institutional decentralized finance, an approach that combines blockchain’s transparency, rapid settlement and continuous availability with the compliance, customer relationships and access to capital associated with traditional finance. She has argued that many financial technology companies improved customer interfaces without replacing the aging settlement infrastructure operating underneath them.
Consequently, digital banks and investment applications can still depend on slow systems containing numerous intermediaries. Institutional DeFi attempts to address this limitation by bringing asset issuance, trading, collateral management and settlement onto blockchain networks. Nevertheless, Cooper has emphasized that successful adoption requires meeting users and institutions at their existing levels of trust, usability expectations and risk tolerance.
Developing Native Lending Infrastructure
RippleX’s proposed lending infrastructure represents another important part of Cooper’s institutional strategy, particularly through the XLS-65 Single Asset Vault and XLS-66 Lending Protocol proposals. Single Asset Vaults are designed to combine assets supplied by depositors, while the lending protocol would make that liquidity available through structured credit arrangements.
Institutional credit is especially important because financial markets require more than payments and trading. Participants must also be able to borrow, lend and use assets as collateral. Cooper has identified XRP collateralization for institutional credit as a potentially powerful application, allowing XRP to support productive financial activity beyond transfers and market speculation.
Improving XRP Ledger Interoperability
Interoperability remains another major consideration because financial activity occurs across multiple blockchains rather than within one isolated ecosystem. RippleX has supported connections between XRPL and external blockchain networks, allowing assets, applications and developers to interact across a broader digital economy.
An Ethereum Virtual Machine-compatible sidechain gives developers familiar with Ethereum tools another route into the XRP Ledger ecosystem, while cross-chain infrastructure expands asset and information transfers. For Cooper, interoperability supports a future in which institutions select blockchain products according to usefulness rather than remaining restricted to one network.
Stablecoins and RLUSD
Stablecoins have become increasingly important to Cooper’s work as Ripple expands RLUSD, its US dollar-backed stablecoin, alongside other regulated assets on XRPL. The ledger also supports stablecoins including USDC, XSGD, EURØP and USDB, expanding its payment and settlement options across multiple markets.
Stablecoins provide comparatively stable instruments for payments, trading and decentralized finance, while XRP can supply liquidity or operate as a bridge asset where appropriate.
Cooper’s product strategy recognizes that different assets serve different requirements. Fiat currencies or stablecoins may suit certain transactions, while XRP can provide liquidity and rapid settlement when conventional markets are unavailable or inefficient.
Building On-Chain Payments at Scale
Cooper’s responsibilities increasingly connect the XRP Ledger with stablecoin payments, on-chain foreign exchange, liquidity management and the infrastructure required to make blockchain payments operate at scale.
Payment systems require more than transferring an asset between two accounts because institutions also need dependable liquidity, currency conversion, compliance controls and connections between blockchain assets and traditional money.
Cooper has recruited product leaders to help develop this infrastructure, including specialists covering on-chain payments and institutional DeFi. Her leadership therefore extends beyond individual XRPL features because she also shapes organizational priorities, builds product teams and coordinates development across numerous financial applications.
Exploring Artificial Intelligence and Payments
Cooper has increasingly explored the relationship between artificial intelligence, blockchain technology and finance. She expects future payment activity to become more machine-driven as autonomous software agents purchase services, transfer value and manage financial processes without requiring people to authorize every transaction manually.
Traditional payment rails were primarily designed for human customers, manual approvals and business-hour settlement. AI agents, however, require infrastructure capable of operating continuously, processing smaller transactions and interacting across multiple payment networks.
RippleX is consequently developing tools intended to make XRP and RLUSD practical options wherever AI developers build payment applications. Cooper views agentic payments as a multi-platform and multi-rail environment rather than a system controlled by one network.
Industry Engagement and Leadership
Cooper regularly represents RippleX in conversations involving institutional blockchain adoption, tokenization and decentralized finance. At XRP Ledger Apex 2025, she joined Ripple Chief Technology Officer David Schwartz to examine XRPL’s development and its future across stablecoins, tokenized real-world assets and compliance-oriented programmability.
She also participated in the Digital Asset Summit alongside representatives from Franklin Templeton, Moody’s Ratings, Visa and Bullish, contributing to conversations about the institutionalization of cryptocurrency. These appearances extend Cooper’s role beyond internal product management by positioning her as a public representative of RippleX’s institutional financial strategy.
Jazzi Cooper’s Net Worth
Jazzi Cooper’s exact net worth remains undisclosed because no authoritative public financial record provides complete information regarding her salary, investments, property, company ownership or liabilities.
Her senior product leadership at Ripple, previous financial technology positions and ownership of Strøm may have contributed to her personal wealth. However, these professional roles do not provide enough information to calculate a reliable figure.
Ripple remains privately held, meaning executive compensation and equity interests are not disclosed in the same manner as remuneration at many publicly traded corporations. Therefore, any specific estimate presented as Cooper’s net worth would remain speculative unless supported by verified disclosures from Cooper, Ripple or an authoritative financial filing.
Conclusion
Jazzi Cooper has developed a career connecting economics, platform strategy, private equity research, consumer finance, entrepreneurship and blockchain product leadership. Her work at Applico and AlphaSights introduced her to technology platforms and institutional investment research, while EarnUp provided practical experience involving mortgage technology and payment infrastructure. Founding Strøm further strengthened her understanding of digital wealth management and customer-centered financial products.
Since joining Ripple in May 2021, Cooper has helped broaden the XRP Ledger through native NFTs, automated market makers, tokenization standards, interoperability tools, stablecoins and proposed lending infrastructure.
As Head of Product for RippleX, she now guides protocol strategy, infrastructure development and ecosystem improvements while building teams responsible for institutional DeFi and on-chain payments. By combining blockchain-based settlement with regulated financial products and emerging machine-driven payments, Cooper is helping position RippleX at the intersection of finance, blockchain and artificial intelligence.
FAQs
1. Who is Jazzi Cooper?
Jazzi Cooper, whose full name is Jasmine Cooper, is Senior Director of Product at Ripple and Head of Product for RippleX.
2. What did Jazzi Cooper study?
Cooper studied Economics and Philosophy at Claremont McKenna College and also attended Universidad Carlos III de Madrid.
3. When did Jazzi Cooper join Ripple?
Cooper joined Ripple in May 2021 and later assumed broader responsibility for RippleX’s protocol, infrastructure and ecosystem product strategy.
4. What did Jazzi Cooper do before Ripple?
She worked at Applico, AlphaSights and EarnUp while also founding Strøm, a digital-first wealth management company serving young professionals.
5. What does Jazzi Cooper do at RippleX?
She guides product strategy involving tokenization, decentralized finance, lending, stablecoins, liquidity, infrastructure, blockchain payments and emerging artificial intelligence applications.
6. What is Jazzi Cooper’s net worth?
Her net worth remains undisclosed because reliable public information concerning her compensation, investments, ownership interests and liabilities is unavailable.
