The US is slow on crypto, and the election is unlikely to change that anytime soon, says Fiona Murray, managing director of Ripple APAC.

- Most of Ripple's innovation is happening in Singapore, not the US.

- Murray notes that a "lack of openness" has forced many crypto founders to move to Asia.

- APAC offers a stable environment and good infrastructure for crypto development.

🇺🇸 The US may catch up, but it's a matter of time and bank support.

- SEC prepares for appeal against Ripple Labs despite fine reduction to $125 million.

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