Julia (@Juilah48s), a crypto enthusiast who sees XRP as one of the greatest financial opportunities of this generation, has raised a sharp observation about the asset’s evolving story.
She noted in a recent post that in just one year, the conversation around XRP moved from “We will replace SWIFT” to “XRP is a complete failure, and it’s all Brad and David’s fault.”
The Narrative Shift
That shift in narrative reflects a growing tension within the XRP community. Ripple CEO Brad Garlinghouse and CTO Emeritus David Schwartz have faced increasing scrutiny over their public statements and their handling of XRP’s positioning.
Garlinghouse recently described XRP’s five-year outlook in institutional terms, while Schwartz pointed to mass retail adoption as the next milestone. Critics seized on that apparent contradiction, noting that XRP was always marketed around institutional use.
How wild is it that, in just one year, the ripple:native narrative shifted from "We will replace SWIFT" to "XRP is a complete failure, and it's all Brad and David's fault."
— Julia (@Juliah48s) November 5, 2026
Executives Draw Criticism From All Directions
The criticism has come from multiple corners. Commentators have questioned why Garlinghouse was selling his XRP holdings while publicly encouraging others to buy. Others raised concerns about RLUSD absorbing the utility that XRP was originally promised in dollar-to-dollar transactions.
A reporter recently pressed Garlinghouse directly on why institutional demand appeared to be flowing toward RLUSD rather than XRP, and the community took notice.
Schwartz also came under fire for characterizing mass retail adoption as the goal, which many holders found inconsistent with years of messaging around banks and financial institutions as the primary use case.
XRP Struggles As the Market Pulls Back
The timing has added pressure. Following major victories for the Democrats in the midterm elections, the broader crypto market pulled back sharply, and XRP fell with it. At the time of her post, XRP traded at $1.19, down -9.32%.
For a community that has waited through years of legal battles and delayed adoption, the combination of declining price and leadership criticism has worn on sentiment.
The Community’s Response
Julia’s post drew a range of reactions from XRP holders and observers. One commenter said the executives are responsible for the situation and accused them of gaslighting the community.
Another raised a series of concerns, including allegations that executives encouraged buying while offloading their own holdings, and questioned the recent shift toward retail adoption as a stated goal.
Another suggested there was no hope for legal clarity in the market anymore. The Democrats all voted against the CLARITY Act in the Senate, and now control both the House and Senate.
Just over a year ago, experts were certain that Ripple would replace SWIFT. That narrative has changed as XRP is struggling and the community is slowly turning against Ripple executives.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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