Ripple’s Vision Grows: CTO David Schwartz Talks XRPL, Beyond Just Crypto Payments
Ripple’s CTO, David Schwartz, just gave a powerful update that shifts how we should think about XRP and the XRP Ledger (XRPL). In his latest post, Schwartz shared that XRPL isn’t just another crypto payment platform. It’s shaping up to be a complete decentralized financial system.
This system will include more than just XRP — it’s being built to support its stablecoin RLUSD, real-world tokenized assets, decentralized exchanges (DEXs), lending, investing, and even smart contracts.
Schwartz pointed out that for a DEX to thrive, it needs more than one token — which is why XRPL is expanding to support a variety of assets. Still, XRP remains key: it’s the native asset, used for fees and liquidity routing.
He also raised a tough question: how much of XRP’s market value today is driven by actual use on the ledger? Ripple is watching this closely as they build for a more open, faster, and efficient financial future.
Bottom line: Ripple isn’t building just for crypto anymore — they’re going after the entire financial stack.
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