Crypto influencer STEPH IS CRYPTO recently fueled that debate after sharing comments from Ripple CTO Emeritus David Schwartz, who strongly denied claims that he ever agreed to mislead XRP holders. The remarks quickly attracted attention because they addressed one of the community’s most persistent controversies involving Ripple’s messaging during XRP’s early growth years.

David Schwartz Pushes Back Against Allegations

In the resurfaced exchange, Schwartz firmly rejected suggestions that he operated under any agreement or non-disclosure arrangement designed to deceive XRP investors. Responding directly to the allegations, he stated, “No agreement. NEVER HAPPENED.”

CRAZY: David Schwartz denies ever agreeing to mislead $XRP holders.

“No agreement. NEVER HAPPENED” pic.twitter.com/w0vTTR5Vo7

— STEPH IS CRYPTO (@Steph_iscrypto) May 6, 2026

Steph shared the clip alongside renewed discussions about Schwartz’s 2017 comments regarding XRP’s price and liquidity dynamics. At the time, Schwartz explained that XRP could not remain extremely cheap if it were expected to efficiently support massive transaction volumes across global payment networks.

His argument focused on liquidity efficiency rather than speculative price predictions. Schwartz explained that a higher XRP valuation would reduce market impact during large transfers because institutions would need fewer tokens to move substantial amounts of value.

Old XRP Debates Resurface

The controversy highlights how deeply historical comments still influence sentiment within the XRP community. Many investors interpreted Schwartz’s earlier statements as indirect confirmation that XRP would eventually reach dramatically higher prices. Others viewed the comments strictly as technical explanations tied to payment infrastructure and liquidity management.

Over the years, Schwartz has repeatedly clarified that Ripple prioritizes utility, adoption, and payment efficiency rather than promoting speculative price targets. He has also consistently criticized unrealistic XRP valuation claims circulating on social media.

Despite those clarifications, some community members continue questioning whether Ripple executives unintentionally fueled exaggerated expectations during XRP’s rise in earlier market cycles.

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Transparency Remains a Sensitive Topic

The latest debate underscores the unusual scrutiny Ripple executives face compared to leaders of many other crypto projects. Because Ripple executives have maintained a strong public presence for years, investors frequently revisit past interviews, conference appearances, and social media posts to reassess earlier statements.

Schwartz’s latest response appears aimed at ending accusations that Ripple insiders deliberately encouraged misleading narratives about XRP’s future value. Instead, he continues emphasizing that XRP’s primary purpose involves improving liquidity and facilitating efficient cross-border payments within financial systems.

The discussion also reflects broader tensions between utility-driven adoption and speculative investing across the cryptocurrency industry. Many retail investors focus heavily on future price appreciation, while blockchain companies often prioritize infrastructure development and enterprise use cases.

As XRP remains one of the crypto market’s most closely watched digital assets, debates surrounding transparency, investor expectations, and Ripple’s messaging strategy are unlikely to disappear anytime soon.

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 urged to do in-depth 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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Crypto pundit BankXRP (@BankXRP) recently shared a table showing how much Schwartz’s holdings would have been worth if he had held his tokens. In 2012, those 26 million XRP carried a total value of $130,000. A year later, the figure rose to $390,000. By 2014, it reached $520,000.

However, the price fell sharply afterward. In both 2015 and 2016, the average XRP price was $0.006, making the total value $156,000.

David Schwartz Held 26 Million XRP – Here’s What It Was Worth Each Year From $130K to $59 Million and Back.

David once held 26 million XRP.
He sold a big portion when it was around $0.10 (worth about $2.6 million at the time).
Look at how much those same 26 million XRP would… https://t.co/I8rzdJ0vsm pic.twitter.com/dIdglbCow7

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) May 5, 2026

The 2017 Surge Changed Everything

XRP’s average price hit $2.30 in 2017. At that level, Schwartz’s 26 million XRP carried a value of $59.8 million. That year marked the first time the position crossed into the tens of millions.

Many analysts are still hopeful that XRP can experience a similar surge to 2017. However, the market turned in 2018. The average price dropped to $0.34, pulling the value back down to $8.84 million. In 2019, it fell further to $0.19, with the total sitting at $4.94 million.

Schwartz Sold Near the Bottom

Schwartz sold a significant portion of his holdings when XRP traded around $0.10. At this price, his 26 million tokens would have been worth $2.6 million. The data make clear how early that exit came. In 2020, the average price recovered to $0.21, bringing the value back to $5.46 million. In 2021, XRP averaged $0.83, lifting the position to $21.58 million.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP’s Recovery

The 2022 average settled at $0.33. This makes the value $8.58 million. In 2023, the price climbed to $0.61, raising the total to $15.86 million. Then, 2024 delivered another significant move as XRP rose by 500% at the end of the year. The average price reached $2.08, pushing the 26 million XRP to a $54.08 million value, nearly matching the 2017 peak.

In 2025, the average price was $1.84, with a total value of $47.84 million. In 2026, the average is $1.40, representing $36.4 million so far. Schwartz bought XRP at $0.006.

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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Responding to a question about risk, he clarified that the 26 million XRP he holds was not a gift. He traded Bitcoin for it. “That’s 26 million XRP that I traded bitcoin for,” he wrote.

That statement entirely reframes the nature of his position. This was not compensation from Ripple. He previously revealed that he bought XRP at $0.006. His statement shows it was a deliberate trade, not an allocation from Ripple like its other executives received.

That's 26 million XRP that I traded bitcoin for. But once XRP hit 10 cents, I had millions of dollars at risk. I very much did not like that at the time.

— David 'JoelKatz' Schwartz (@JoelKatz) May 4, 2026

David Schwartz’s Risk Aversion

Earlier in the same thread, the former CTO discussed his general approach to risk. He stated that he has been working to reduce his crypto exposure, moving most of his assets away from crypto. He cited Ripple stock as already providing enough risk in his view, describing everything else as what “should be fairly conservative.”

He also addressed his XRP holdings, stating that he would have owned more XRP and likely more crypto overall if he did not already have so much exposure through his Ripple equity.

His position is not one of disinterest in XRP, but shows a portfolio management decision made against a backdrop of significant concentrated risk. However, some interpreted his comments as not having faith in XRP.

Schwartz previously revealed that he sold XRP at $0.1, not believing it could rise to $0.25. Schwartz stated that once XRP reached $0.1, he had millions of dollars at risk and was clear that he did not enjoy that exposure.

A Pattern of Underestimating Upside Potential

The thread began with a reference to a well-known moment in crypto history. A community member highlighted the story of Schwartz selling ETH for $1.05. He responded, saying if he had believed there was a 1% chance of ETH reaching $2,368, he would not have sold at that price. He acknowledged uncertainty about whether the odds of that outcome were ever above 1% at the time.

This interaction also ties into Schwartz’s recent comments. He recently explained that if major financial players believed there was a 1% chance that XRP could hit $10,000 in 10 years, they would bid its price up to $20 now. Similarly, he did not believe ETH could reach current levels, and he sold his tokens early.

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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The post Ex-Ripple CTO: Once XRP Hit 10 Cents, I Had Millions of Dollars At Risk appeared first on Times Tabloid.

The tweet highlights a personal account shared by Schwartz, where he reflected on selling Ethereum at an early stage, only to watch its price rise significantly afterward.

According to the post, Schwartz explained that he sold Ethereum at approximately $1.05 after observing repeated price movements between $0.70 and $1.00. He stated that he expected the asset to follow a familiar pattern, allowing him to re-enter at a lower price.

Instead, the price moved quickly upward, reaching $12 and eventually climbing to $2,000. Schwartz acknowledged that he believed $12 represented a peak at the time and saw no reason to buy back in, a decision he later regretted.

Crypto Dyl News used this example to suggest a possible parallel with XRP, raising the question of whether similar price movements could occur in the future.

DID FORMER @RIPPLE CTO JUST SUGGEST $12 & $2,000 $XRP

He said “To be completely fair to me, at least a small part of my reasoning is that it had bounced between $0.70 and $1.00 a few times, so I figured I'd sell the next time it hit $1 and maybe buy back in when it… pic.twitter.com/5deFA08Hjw

— Crypto Dyl News (@cryptodylnews) May 4, 2026

Video Commentary Expands on XRP Price Expectations

In the video attached to the post, the commentator presented the Ethereum example as a cautionary account for current XRP holders. He stated that XRP could reach levels such as $12 or even $2,000, referencing Schwartz’s experience as a case in which market expectations were significantly underestimated.

The speaker also addressed recent interpretations of Schwartz’s remarks about high XRP valuations. He noted that some individuals had misrepresented earlier statements, particularly regarding the feasibility of extreme price targets. According to the video, Schwartz’s position focused more on market behavior and investor conviction rather than making direct predictions.

The commentary emphasized that Schwartz’s Ethereum trade illustrated how quickly market conditions can change, especially when investors rely on short-term patterns.

The speaker argued that many traders attempt to time the market by selling during perceived peaks, expecting to re-enter at lower levels. However, he warned that this approach can fail if prices continue rising without significant pullbacks.

Focus on Long-Term Holding Versus Short-Term Trading

The video further presented a broader argument about investor behavior in the cryptocurrency market. The commentator suggested that a large portion of market participants may repeat the same pattern described in Schwartz’s Ethereum experience, particularly with XRP.

He stated that some holders may sell at incremental price increases, assuming a reversal will follow, only to miss extended upward movements.

He also pointed to the possibility that long-term holders and institutional participants could accumulate assets during such periods, potentially benefiting from sustained price growth.

Overall, the tweet and accompanying video center on a single premise: past market experiences, such as Schwartz’s Ethereum trade, are being used to interpret current XRP expectations.

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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The claim under scrutiny is the “bridge currency neutrality” theory, which suggests that XRP usage does not generate real demand because a sale in cross-border transactions immediately offsets every purchase.

The post references an earlier comment from a user identified as Cunning_Stunt3, who outlined the argument in its simplest form. According to that position, XRP transactions involve negligible fees and operate as a pass-through mechanism.

A user buying XRP with one currency and instantly selling it for another supposedly creates a neutral effect, meaning no sustained demand or price impact. Jungle Inc Crypto News reports that Schwartz rejected this reasoning and provided a structured explanation to counter it.

David Schwartz Just Dismantled One of XRP's Most Common Misconceptions

One of the most persistent arguments against XRP having real value is the bridge currency neutrality claim, the idea that because you buy XRP with dollars and immediately sell it for yen, the demand cancels… pic.twitter.com/mR5qk60DfB

— Jungle Inc Crypto News (@jungleincxrp) May 4, 2026

Pre-Positioning and Cost Efficiency

The first point highlighted in the post focuses on pre-positioning. Schwartz explained that holding XRP in advance reduces the need for multiple foreign exchange conversions. Instead of executing two separate trades, users can complete transactions more efficiently if they already hold XRP.

This reduces transaction costs and introduces a practical incentive to maintain XRP balances. The post emphasizes that this benefit is tied to operational efficiency rather than speculative price expectations.

Netting and Payment Flow Optimization

The second mechanism described involves netting. Jungle Inc Crypto News reports that Schwartz pointed out how entities receiving and sending payments in XRP can reuse the same holdings without converting back to fiat currencies. This allows XRP to function as a continuous medium of exchange within payment flows.

According to the explanation, this removes the need for repeated entry and exit trades, contradicting the idea that all activity is strictly buy-then-sell. The result is a system in which XRP can remain in circulation among participants, supporting ongoing use.

Liquidity Provision as an Economic Role

The third argument centers on liquidity provision. The post notes that Schwartz identified this as a key factor often overlooked. Holding XRP enables participants to supply liquidity for others initiating cross-border payments.

In this role, holders actively facilitate transactions and can earn returns for providing access to the asset. This introduces a financial incentive tied directly to holding XRP, rather than simply passing it through transactions.

Volatility and Risk Perspective

Jungle Inc Crypto News also highlights Schwartz’s comments on volatility. He argued that volatility should not automatically be viewed as a disadvantage.

From his perspective, the impact of volatility depends on expectations of gain versus loss. The post adds that risk exposure can be mitigated through hedging strategies, allowing participants to benefit from XRP’s transactional efficiencies without fully taking on price risk.

Conclusion on Utility and Demand

The report concludes that the “demand neutral” argument relies on an overly simplified assumption of frictionless markets and instantaneous conversions. Schwartz’s response, as presented in the post, emphasizes timing, cost savings, and the role of liquidity providers.

These factors create practical reasons to hold XRP over time. According to the explanation, this sustained usage forms the basis through which utility translates into market demand.

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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The statement comes as disagreements continue within the XRP community, particularly following comments from Ripple’s former Chief Technology Officer, David Schwartz, regarding XRP hitting $10,000.

The tweet included a video in which the speaker addressed the reaction to Schwartz’s remarks. According to the explanation, many critics misunderstood what Schwartz actually said.

The speaker maintained that Schwartz did not reject the possibility of XRP reaching $10,000, but instead questioned why investors who believe in such a valuation are not actively pushing the price higher through significant buying activity.

I still believe in $XRP going to $10,000.

You are all wrong, including @JoelKatz pic.twitter.com/6DpHR72VDS

— Crypto Dyl News (@cryptodylnews) May 2, 2026

Video Explanation Focuses on Market Behavior

In the video, Crypto Dyl News pointed to a gap between expectations and actual market participation. The speaker argued that many individuals who promote the $10,000 target often hold small amounts of XRP and are not consistently increasing their holdings. This, he said, creates a disconnect between strong price claims and real market influence.

The speaker also stated that retail investors alone cannot drive XRP to extremely high price levels. He explained that major price movement depends on institutional participation. According to the video, only large-scale adoption by financial institutions can create the conditions needed for sustained upward movement.

At the same time, the speaker maintained confidence in the $10,000 projection, while clarifying that it is not expected in the near term. He stated that such a valuation would not occur in 2026, 2027, or 2028, and instead pointed to a longer timeline, possibly between 2030 and 2035. He added that specific real-world developments would need to take place before such a price level becomes realistic.

Supporting Views From Recent Reports

This position reflects arguments presented in recent Times Tabloid reports published in late April and early May 2026. One report covered a social media exchange involving Crypto Bitlord, who insisted that a segment of the XRP community still believes in the $10,000 target despite skepticism from others, including David Schwartz.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Another report, which included insights from John Squire and researcher Emily Stone, explained that a price of this scale would depend on major changes in the global financial system. The analysis stated that XRP would need to serve a central role in handling large volumes of tokenized assets, which could require a significantly higher price to support liquidity demands.

Long-Term Outlook Depends on Adoption

Crypto Dyl News’ statement reinforces a clear position that XRP’s long-term price potential depends on institutional involvement rather than retail activity. While the $10,000 projection remains disputed, the argument presented in the tweet and video emphasizes adoption, utility, and sustained demand as the key factors that could determine XRP’s future valuation.

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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The post Pundit Says David Schwartz Is Wrong About This XRP Price Statement appeared first on Times Tabloid.

Schwartz’s Opinion on the $10,000 XRP Target

Schwartz posed a thought experiment. He argued that if a small group of wealthy, rational investors was convinced that there was a 1% chance XRP could reach $10,000 in 10 years, they would bid the token up to at least $20 today. His question: “Why aren’t they? Conspiracy?”

Many in the XRP community read this as skepticism. The argument suggested that the absence of major buying pressure at current prices reflects a lack of conviction among sophisticated investors.

$46,000 XRP?

David casually drops $20 as the rational bid for XRP believers… while he sold his ETH around $1

Apply his own ~2,300x ETH multiple to that $20 and you get a cheeky…

$46,000 XRP. https://t.co/3xz2rolTZM pic.twitter.com/O00Fmr7CXo

— Pumpius (@pumpius) May 2, 2026

Pumpius Flips the Argument

Crypto commentator Pumpius (@pumpius) took Schwartz’s reasoning and reversed it. He highlighted a post from Schwartz as additional context. In it, Schwartz acknowledged selling 40,000 ETH at $1.05 and 100 BTC at $750, and noted that none of his posts are intended as financial advice.

Notably, Schwartz previously revealed that he sold his ETH to buy solar panels for a property he no longer owns. The ETH sale is the key detail here. Schwartz exited ETH at roughly $1. ETH later appreciated by approximately 2,300x from that price.

Pumpius applied that same multiple to Schwartz’s $20 rational bid for XRP. The math resulted in $46,000 per XRP. The post does not argue that $46,000 is a guaranteed or even likely target.

It uses Schwartz’s own historical multiple to challenge the credibility of his skepticism. If Schwartz misjudged ETH’s potential at $1, his current framing of XRP’s ceiling deserves scrutiny.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Why the XRP Community Is Paying Attention

Schwartz’s post landed differently in the XRP community. Some read it as a genuine analytical point about market structure, while others doubt.

Pumpius represents a portion of the community that pushes back on that reading. His post highlights that Schwartz has a documented history of selling assets far below their peaks.

Notably, Schwartz also sold his XRP at $0.1, revealing that he didn’t believe it would surpass $0.25. Pumpius considers Schwartz’s track record, which shows that his doubts don’t impact XRP’s potential.

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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The interaction emerged from an XRP enthusiast known as “$589,” who remarked that XRP holders were stranded in Las Vegas due to airline limitations.

The user stated that “XRP holders are officially stranded in Las Vegas because Spirit was all they could afford,” referencing the sudden halt in operations by Spirit Airlines earlier that day. The timing coincided with the conclusion of a major XRP-focused event in the city, which brought together members of the XRP community from different regions.

When I got on my United flight, one guy in an Uphold XRP shirt saw me, tripped a guy in a bitcoin maxi shirt as he passed in the aisle, yelled "XRP forever, we love you David!", and then literally everyone on the plane clapped.

— David 'JoelKatz' Schwartz (@JoelKatz) May 2, 2026

Schwartz Responds with a Lighthearted Scenario

In response, David Schwartz offered a humorous account that shifted the tone of the conversation. He described boarding a United flight where, according to his statement, a passenger wearing an Uphold XRP shirt recognized him. Schwartz wrote that the individual “tripped a guy in a bitcoin maxi shirt as he passed in the aisle,” before shouting, “XRP forever, we love you, David!” He added that “literally everyone on the plane clapped.”

The comment presented an exaggerated and clearly satirical situation, contrasting with the original post’s claim about affordability constraints among XRP holders. Schwartz’s reply places the XRP community in a more favorable and unified light humorously.

Follow-Up Question and Clarification

Another X user, identified as Ben Hanson, responded to Schwartz’s post by questioning the implication behind the anecdote. Hanson asked whether Schwartz was suggesting that XRP holders could afford premium airline options such as United, given the description that “literally everyone on the plane clapped,” which could imply widespread support for XRP among passengers.

Schwartz replied to this follow-up with a GIF that conveyed agreement, accompanied by the phrase “yeah, pretty much.” His response maintained the same humorous tone, reinforcing the exaggerated nature of his earlier comment without offering a literal interpretation.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Timing with Event Conclusion and Airline Disruption

The exchange occurred shortly after the XRP Las Vegas 2026 conference concluded, an event that typically draws significant participation from XRP supporters, developers, and industry observers. At the same time, Spirit Airlines ceased operations around 3:00 a.m. ET on Saturday, creating logistical challenges for travelers who had planned return trips using the low-cost carrier.

This overlap between a major community gathering and an airline shutdown added context to the original remark from $589, which referenced affordability and travel limitations. Schwartz’s response did not directly address the operational issue but instead reframed the conversation through humor.

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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The post featured a video from the XRPLV2026 Conference, where Schwartz discussed regulatory developments, internal decision-making at Ripple, and the direction of the digital asset sector.

In the video, Schwartz described how Ripple executives evaluated their position after Donald Trump’s reelection. He explained that leadership considered two approaches. One side supported acting quickly by expanding operations, pursuing a public listing, and increasing customer growth.

The other side preferred caution due to uncertainty about future regulatory leadership. Schwartz stated that Ripple leaned toward acting decisively while avoiding moves that could create major long-term risk.

Must See TV Listen to @JoelKatz talk about the clarity act and what it could mean for the @crypto industry @XRPLV2026 Conference! #ripple pic.twitter.com/KqdT14VBK9

— Johnny Krypto (Good Evening Crypto Co-Host) (@johnnykrypto00) May 1, 2026

Pursuing Progress While Managing Uncertainty

Schwartz made it clear that he supports securing regulatory gains when possible. He said the industry should move forward with the Clarity Act if it delivers meaningful improvements, even if it does not address every concern. He also acknowledged the role of companies and advocates who challenge parts of proposed legislation to push for better terms.

According to Schwartz, this tension between acceptance and resistance may be necessary to reach a stronger outcome. He suggested that many participants in the industry likely share the same goal of achieving the best possible legislation, even if their methods differ. He added that taking available progress now and continuing to advocate for improvements later may be the most effective approach.

Ripple’s Focus on Enterprise Before Retail Expansion

Schwartz explained that Ripple continues to focus on enterprise adoption as a foundation for future retail growth. He noted that institutional use cases, such as payments and financial services, are essential for building systems that can later support everyday users. He also pointed out that decentralized finance has not yet delivered widespread value for the average person, which limits its growth.

He emphasized that regulatory clarity for digital assets remains a key priority. While some policy outcomes may not immediately benefit Ripple, he said, securing legal certainty is critical for long-term development. He also stated that Ripple does not seek to restrict competitors, adding that innovation across the industry benefits all participants.

Concerns Over Barriers to New Projects

During the discussion, Schwartz addressed concerns raised by Charles Hoskinson regarding the possibility that new rules could make it harder for future crypto projects to enter the market. He described this as a difficult balance, where gains for existing assets must be weighed against the need to support continued innovation.

Schwartz stated that even an imperfect version of the Clarity Act could encourage institutional involvement and increase liquidity. He also expressed confidence that regulatory improvements under the current administration are unlikely to be reversed in the near term.

Community Responses Show Positive Sentiment

Reactions to Johnny Krypto’s post reflected optimism among XRP supporters. A user identified as Crypto_Agent_00 said that discussions like this strengthen long-term confidence in XRP. Another commenter, Nicola, described the interview as insightful and expressed hope that regulatory clarity will arrive soon.

These responses show that members of the XRP community view Schwartz’s remarks as supportive of long-term growth, particularly if clearer regulations are established.

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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“The way I think about Ripple’s strategy is enterprise today to pave the way for retail tomorrow,” Schwartz said. He made the internet a reference point, noting that governments, military bodies, and large corporations were its first adopters, and that foundation enabled mass public use later.

I like David's view on Ripples strategy.

Institutional adoption today is the pathway for retail adoption in the future.

To me the XRP DEX was always the public ground where Ripples institutional effort meet retail builders effort in the middle.

For this low risk boring DeFi is… https://t.co/fCeghmAuBa pic.twitter.com/8m7yKkXDud

— Vet (@Vet_X0) May 1, 2026

Schwartz’s Comments About Ripple’s Plans

Schwartz was direct about where XRP and the broader DeFi ecosystem stand right now. He acknowledged that Ripple has little to offer the average American in crypto today. He cited DeFi’s stagnation as evidence, noting it has sat around $150 million for roughly two years.

He argues that retail adoption requires the infrastructure to exist first. That means payments, checking accounts, lending, equities, and treasuries. “It’s enterprise adoption that’s gonna pave the way for that,” he said. Ripple is building toward those products, but, in his view, does not need them yet.

XRP Army Weighs In

Vet shared the video with his own commentary on the XRP DEX as a convergence point between Ripple’s institutional efforts and retail builders. He described the DEX as the public ground where both sides meet, arguing that low-risk DeFi is what makes that possible.

Not everyone in the community aligned with the optimism around Ripple’s acquisitions. William Carpenter pushed back, stating that Ripple’s acquisition of GTreasury, which moved $13 trillion last year with zero on-chain activity, should be elevating price but isn’t.

Vet challenged the assumption that any single acquisition could drive XRP’s price, calling XRP “a neutral, decentralized commodity” and telling Carpenter to build out his thesis rather than rely on social media expectations.

What This Means For XRP

Schwartz’s comments show a deliberate sequence that Ripple has operated under for some time. Institutional adoption builds the rails, and retail use fills them later. The XRP DEX sits at the center of that vision as the layer where both can interact.

The community debate shows that patience is not universal. Some holders want price movement now, but many have advised investors to be patient and let XRP grow within the global financial system. Schwartz’s position is that the infrastructure being built today is what makes sustainable retail adoption possible at all.

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