There is no evidence of a personal decision or a direct meeting between Citigroup CEO Jane Fraser and Ripple CEO Brad Garlinghouse to align on XRP, with their "relationship" limited to indirect industry overlaps such as tokenized assets and crypto custody explorations. It seems likely they have not explicitly met for this purpose, as public records show no confirmed interactions; any perceived alignment stems from Citi's general blockchain pilots and Ripple's push for institu