He wrote an open letter to the community laying out exactly how he expects them to engage with him, and what happens when they don’t.

The post comes amid heavy criticism directed at both Schwartz and Ripple CEO Brad Garlinghouse. But the message goes beyond responding to critics. He is also asking his own supporters to change their behavior.

Recently, there's been a significant increase in people responding to replies of mine that have nothing to do with crypto with insults or crypto content. I hate to do it, but I pretty much have to block for this because otherwise the people I'm replying to have no choice but to…

— David 'JoelKatz' Schwartz (@JoelKatz) November 7, 2026

David Schwartz Message to the Community

Schwartz opened by noting a rise in replies to his posts that have nothing to do with the topic he is discussing. People use his threads to insult him or push irrelevant crypto content. He says he has to block those accounts, because ignoring them means they spam the followers of whoever he is replying to.

He also addressed fraud and scam accusations. He wrote that he does not mind people “criticizing me or accusing me so long as it doesn’t reduce to slurs and has some actual content.” His condition is that it stays relevant and appears in an appropriate thread.

The Stalking Concern

This is where the post moves into less familiar territory. Schwartz described a specific behavior he finds unacceptable. Some accounts follow him across the platform and inject XRP-related comments into unrelated conversations.

Even something as positive as “XRP is great!” becomes a problem when it appears in a thread where he is discussing something else. It disrupts the people he is replying to, and he will not tolerate it going forward.

This is not simply about handling critics. Schwartz is saying he wants people to stay out of his conversations unless they belong there. His privacy and his ability to engage on the platform without being trailed are both part of this.

XRP Army Reacts

The responses were mixed. One user suggested a constructive solution, recommending that Schwartz host a weekly post inviting new ecosystem members to introduce themselves. Schwartz responded positively to that idea.

Another community member noted that Schwartz’s lack of responses to people is part of why they kept pushing. This echoes this sentiment shared by many in the community who feel ignored, and is more pressing now as XRP’s price struggles.

Schwartz Leaves the Door Open

Schwartz ended on a calmer note. He told anyone who was blocked and is willing to stop the behavior to find a way to reach him. He said he will unblock them, and he holds no personal hatred toward his critics. He just wants engagements to stay on topic and the harassment to stop.

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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Someone asked Schwartz for an update on XRP’s price, as many community members do, often hoping to hear Ripple’s plan to increase the asset’s price. Instead, Schwartz responded with an actual price update, saying XRP’s price was “around $1.30 or so, up 2.4% in the past 24 hours.” Digital Asset Investor found it amusing. He called it a “smart aleck answer.”

He also noted that attacks on Schwartz and Ripple CEO Brad Garlinghouse over XRP had been “crazy the last few days.” The response shows Schwartz is not rattled by the criticism currently surrounding Ripple’s leadership, and has maintained his humorous nature.

David Schwartz XRP Price Update pic.twitter.com/d4dJGAeGnc

— Digital Asset Investor (@digitalassetbuy) November 5, 2026

The Criticism Surrounding Ripple Leadership

The scrutiny on Schwartz and Garlinghouse has intensified recently. Community members and commentators have raised questions about XRP’s role in Ripple’s business as RLUSD activity grows. Some have questioned whether Ripple’s payment volumes actually benefit XRP holders directly, as the assets price has not reflected it.

Others have read executive public statements as short on confidence. RLUSD has been a major point of contention as many believe it is slowly taking XRP’s role. Ripple has consistently affirmed that RLUSD will not replace XRP, but the asset’s recent price struggle despite positive news in the market has discouraged many investors.

Schwartz has remained active in these conversations. After questions arose about his five-year vision for XRP, he replied on X to explain his thinking. His view is that institutional adoption builds the foundation for retail participation to follow.

Where XRP Stands Now

At the time Schwartz gave his price update, XRP sat at approximately $1.30. Since then, the token has dropped. XRP is now trading at $1.21, down more than 7% in 24 hours. The decline comes as broader crypto market conditions remain volatile.

XRP has struggled to hold recent gains, and the replies were filled with comments that did not appreciate the humorous tone.

While analysts are confident in XRP’s future, market participants are growing increasingly frustrated as the asset fails to build positive momentum over and over again. The question holders keep returning to is how Ripple’s partnerships and expansion translate into an XRP price increase.

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 discussion explained the distinction between XRP, the XRP Ledger, and Ripple as a company. Schwartz explained why Ripple’s significant involvement in the ecosystem does not give the company authority over the network, while highlighting the role of independent validators in maintaining its operations.

The interview, conducted by Decrypt’s André Beganski, also examined institutional adoption, tokenized real-world assets (RWAs), stablecoins and the future of decentralized finance.

RIPPLE IS NOT THE XRP LEDGER.

David Schwartz addresses one of the biggest misconceptions about XRP.

Ripple can build on the network, but it cannot dictate its rules.

That distinction matters more than many critics realize. pic.twitter.com/CnJs1NVosC

— John Squire (@TheCryptoSquire) November 1, 2026

David Schwartz Clarifies Ripple’s Role In The XRP Ledger

Schwartz identified the belief that Ripple controls the XRP Ledger as its biggest misconception. He explained that the network operates as a public blockchain where participating nodes independently enforce established rules.

According to Schwartz, Ripple operates approximately 1% of the network’s validators, while most have no affiliation with the company.

Although Ripple contributes to infrastructure development, developer resources, grants and accelerator programs, these activities do not give it authority to censor transactions or independently alter the network’s rules.

He noted that the XRP Ledger has operated with a global validator network since 2012. Its consensus mechanism establishes transaction validity and prevents individual participants from unilaterally changing payment outcomes. Schwartz added that any attempt to censor transactions would become publicly visible, making such interference difficult to conceal.

Tokenization And Institutional Adoption Drive Network Growth

The interview also examined the growing adoption of tokenized real-world assets on the XRP Ledger. Beganski cited Token Relations data showing that the value of tokenized RWAs on the network increased by 2,260% in seven months, rising from $5 million to $118 million.

Schwartz attributed this growth to public blockchains becoming increasingly capable of meeting institutional requirements. He identified auditability as a major advantage, particularly for financial institutions managing tokenized money market funds and venture capital investments.

He explained that blockchain transparency allows auditors to verify financial records more efficiently, addressing the challenge of proving that institutions have disclosed all relevant transactions. These capabilities can reduce operational costs and provide a competitive advantage for businesses working with narrow profit margins.

Schwartz also argued that institutional adoption could expand decentralized finance beyond speculative activities. He identified loans, investment accounts, payments and retirement-related products as practical financial services that could encourage broader participation.

RLUSD Could Support Payments And Tokenized Finance

Schwartz further discussed the potential role of Ripple’s RLUSD stablecoin in supporting financial applications on the XRP Ledger. He explained that stablecoins could facilitate payments involving tokenized loans and securities, particularly when recipients prefer receiving a stable asset rather than dealing with cryptocurrency price fluctuations.

He also highlighted their potential use as collateral, noting that stable assets could make it easier for financial institutions and prime brokerages to manage and transfer funds.

According to Schwartz, the combination of stablecoins, tokenized real-world assets and institutional financial services could provide the infrastructure needed for the next phase of DeFi adoption.

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 clips of Ripple CEO Brad Garlinghouse and CTO Emeritus David Schwartz each being asked the same question: where do you see XRP and Ripple in five years?

Their answers, according to Crypto Dyl News, revealed a lack of confidence that the XRP community should be concerned about. XRP sat at $1.28 when he made the video, down 3% in the past 24 hours. While that decline can be attributed to the recent Binance hack, Crypto Dyl News makes a separate point about the asset’s future.

WHY DOES THE @RIPPLE CEO & CTO DO NOT LOOK CONFIDENT IN @XRP?

Brad Garlinghouse @bgarlinghouse and David Schwartz @JoelKatz were asked where they see $XRP in 5 years…

Brad takes an deep breathe before answering, and David says “mass RETAIL adoption”

David’s answer was a… pic.twitter.com/QlRgvEdoT7

— Crypto Dyl News (@cryptodylnews) October 29, 2026

Comments From Ripple Executives

When asked where he sees XRP in five years, Garlinghouse answered that XRP “will continue to break out as the institutional gold standard for crypto.” Schwartz said he sees mass retail adoption arriving within that timeline.

Crypto Dyl News found both responses troubling. He noted that Garlinghouse paused before answering and read this as a sign of low confidence. Schwartz’s answer concerned him for a different reason entirely.

The Institutional vs. Retail Divide

Crypto Dyl News’s argument is that XRP was built and marketed around institutional adoption. Banks, payment providers, and financial infrastructure were always the intended use case. For Schwartz to cite mass retail adoption as the five-year vision, in Crypto Dyl News’s view, misses the point of the asset entirely.

“The whole point of XRP is INSTITUTIONAL adoption, not RETAIL adoption,” he wrote. He called Schwartz’s answer embarrassing and said it made him question Ripple’s faith in XRP.

He did leave a window open. He acknowledged that the executives may be staying conservative because something significant is coming and they cannot yet speak openly about it. But he made clear that if that is not the case, the responses reflect poorly on leadership.

Holders are Running Out of Patience

Crypto Dyl News stressed that his concerns are not his alone. He self-identifies as one of the top 0.1% of global XRP holders and said he reads community comments daily. He sees the same frustration repeating.

XRP holders have watched positive news from events like the Ripple Swell conference fail to translate into price appreciation. That gap between narrative and price performance has worn on the community.

He stated that he is not selling. He described himself as long-term focused. But he was candid that the situation has become “ridiculous,” and he used his platform to voice that directly.

David Schwartz Responds

Schwartz replied and clarified his position. “I don’t think institutional adoption is the end,” he wrote. “I think it’s going to lay the groundwork over the next two years for mass retail adoption. That’s why it matters!”

Crypto Dyl News acknowledged the clarification. He said he appreciated Schwartz’s honesty and still considers institutional adoption to be where the real value lies.

He maintained that the original wording felt like a dismissal to holders who have long been told institutions are the prize. He added that seeing XRP fall on strong news, while other tokens rise on lesser catalysts, remains his central frustration.

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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In an interview with crypto researcher BankXRP at Ripple Swell, Garlinghouse discussed the company’s institutional strategy, the role of XRP in its products, and his expectations for wider adoption over the next five years. Ripple CTO David Schwartz also offered his perspective on how real-world asset tokenization could support mass retail adoption.

Garlinghouse Explains Ripple’s Expanding Business

During the interview posted on X, BankXRP asked Garlinghouse to describe Ripple, XRP, and the company’s current position.

Garlinghouse explained that Ripple began by addressing payment challenges through blockchain technology before expanding into corporate treasury services and prime brokerage.

He added that XRP remains central to the company’s strategy, although Ripple does not expect it to serve every use case. He said Ripple would prioritize XRP wherever it makes sense, noting that doing so serves the company’s interests.

However, he acknowledged that some transactions may work better with traditional currencies or stablecoins such as RLUSD.

Garlinghouse said he would rather see XRP handle a small percentage of a customer’s transactions than see the asset account for none of them. He added that people sometimes concentrate too much on the size of XRP’s share instead of the overall size of the market Ripple can serve.

Caught up with @Ripple CEO Brad Garlinghouse and David Schwartz at Ripple #Swell to talk the future of @Ripple, institutional utility, and the path ahead for #XRP.

Brad breaks down why 2026 has been a massive year for transaction volume growth, and David Schwartz shares his… pic.twitter.com/6zpWZGUcQG

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) October 29, 2026

Ripple Records Significant Transaction Growth in 2026

Garlinghouse described 2026 as a strong year for Ripple, despite his preference for broader gains across cryptocurrency markets. He pointed to growing transaction volumes as evidence of the company’s progress and its expanding opportunity to facilitate activity involving XRP.

According to the CEO, revenue across Ripple’s customer base increased from $300 million to $900 million. He also cited approximately $16 trillion in transaction value processed through the company’s operations during the previous year.

Garlinghouse compared that transaction volume with Visa’s scale, while clarifying that approximately 99.9% of the $16 trillion still moved through traditional payment systems.

He said Ripple could increase both its overall transaction volume and the proportion that moves through blockchain-based infrastructure. Garlinghouse expressed hope that he could report next year that 1% to 3% of the existing volume had shifted to alternative rails, describing such a transition as significant.

Garlinghouse Predicts Wider XRP Adoption

Looking five years ahead, Garlinghouse said he expects XRP to become an institutional standard for cryptocurrency-based financial infrastructure. Ripple’s former CTO, David Schwartz offered a shorter timeline, suggesting blockchain could become part of everyday financial infrastructure within three years.

He pointed to real-world adoption and the tokenization of real-world assets as key developments that could expand retail participation, adding that mass adoption would be an important measure of the industry’s success.

Together, the executives outlined a future driven by greater institutional use, increased transaction activity, and wider access to blockchain-based financial services, with XRP remaining central to Ripple’s strategy.

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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David Schwartz, Ripple’s CTO Emeritus, posted a photo on X showing himself alongside Ayo Akinyele, Head of Engineering at Ripple X. He added the caption: “Time to get on the XRP Train.”

The image featured an XRP branded train at  the Times Square 42nd Street station in New York, the city hosting Ripple Swell 2026. His activity comes at a significant moment for the company. The community has taken notice.

Time to get on the @XRP train! pic.twitter.com/lRXsNDjIVK

— David 'JoelKatz' Schwartz (@JoelKatz) October 28, 2026

Swell, the Charter, and a Year of Progress

Ripple’s annual Swell conference is currently underway, and the timing could hardly be more significant. Shortly before the event, the U.S. Office of the Comptroller of the Currency granted final approval for Ripple National Trust Bank.

The OCC had issued a conditional approval in December 2025, and the final sign-off arrived on October 26. The bank will manage reserves behind RLUSD, Ripple’s dollar-backed stablecoin, which now holds $2.5 billion in assets. It will also provide digital asset custody services to institutional clients under federal supervision.

2026 has been a productive year for Ripple beyond the charter. Ripple Prime, rebranded from Hidden Road after a $1.25 billion acquisition, went live in March and now processes roughly $3 trillion in annual clearing volume.

Multiple spot XRP ETFs are live, with combined assets under management exceeding $1.5 billion. Deutsche Bank adopted Ripple for cross-border payments, and Kyoto Life Insurance began tokenizing government bonds through Ripple Custody.

Schwartz Posts as Momentum Builds

Against this backdrop, Schwartz has been active on X. His post drew engagement from a community that has been watching Ripple’s regulatory and institutional progress build across the year. The ongoing Swell conference has added urgency to the conversation, with many in the community treating the charter approval as a turning point.

How the Community Responded

Responses from the XRP community ranged from enthusiastic to cautious. One community member questioned whether the train had already left the station, suggesting some felt the major move had begun.

Another said he made it onto the XRP train, indicating he had successfully positioned herself ahead of recent developments. One member noted that the XRP train had finally departed, treating the bullish sentiment and recent developments as the long-awaited catalysts.

Some others shared images of themselves in trains, suggesting they’re invested in the asset. Time will tell if XRP can meet their 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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David Schwartz, Chief Technology Officer at Ripple and a key figure in building the XRP Ledger, offered a concise explanation of how XRP derives its value. His response has since circulated widely among the XRP community.

The exchange began when an X user challenged the logic behind XRPL’s fee-burning mechanism. That user argued the architects designed XRP as a deflationary currency and cited the long-term effects of fee burns on the network.

Another user, Saul, pushed back on that interpretation. Saul noted the fee structure exists primarily for spam prevention, not price appreciation. “You need fees for spam prevention, but they can’t go to validators,” he wrote, “so instead they burn the fees. But the key is that they keep them LOW.”

David Schwartz Steps In

Schwartz then added his own take. In three sentences, he laid out how XRPL creates conditions for XRP to accumulate value. “Low fees and reliable operation make XRPL a great place to move and hold value,” he wrote. “That drives value flow to XRPL. XRP captures some of that value because of its unique advantages over other assets on XRPL.”

The statement connects infrastructure quality directly to asset value. Low fees and consistent performance attract users and capital to the ledger. Activity on the ledger generates value flow. XRP, by virtue of its position and unique properties within that ecosystem, captures a portion of that flow.

The Role of Low Fees

Schwartz’s comment aligns closely with Saul’s point about user experience. Keeping fees low is a deliberate design priority. Higher fees would accelerate the deflationary burn rate, but they would also reduce the ledger’s appeal as a place to transact. The architects chose low fees to maximize utility, and the deflationary effect is a byproduct of that choice rather than the primary objective.

This matters because it shifts how the value thesis reads. XRP does not rely on scarcity alone. It relies on the ledger being genuinely useful and cost-effective enough that people continue to move value through it.

XRP’s Position on the Ledger

Schwartz identified XRP’s “unique advantages over other assets on XRPL” as the mechanism by which it captures value. He did not elaborate further in the post, but the reference points to XRP’s role as the ledger’s native asset, its use in bridging transactions, and its function in paying transaction fees.

Crypto enthusiast Archie shared the exchange on X, describing the statement as Schwartz spelling out the XRP thesis in three sentences. The full explanation now sits on the record, stated plainly by one of the people who built the ledger.

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His position centers on how XRP functions within the network, including its role in payments, liquidity, transaction fees, and account reserves.

In a post on X, Schwartz explained why he considers it unlikely that the ledger could achieve significant financial success while XRP experiences little demand. He identified a global financial system dominated by a single settlement asset as one possible exception, but said he considers that outcome unlikely.

I think a world where XRPL is highly successful in financial applications but XRP does not have high demand and value is very unlikely. About the only way that could happen would be if we wound up in a world with one totally dominant settlement asset. That seems unlikely to me.

— David 'JoelKatz' Schwartz (@JoelKatz) October 23, 2026

Link Between XRPL Adoption and XRP Demand

Schwartz’s comments followed a discussion about whether the XRP Ledger’s success would necessarily translate into higher demand for XRP. The conversation examined the difference between XRP’s direct effects on price and the indirect benefits that greater network adoption could generate.

Saul, an X user, explained that XRP’s fee-burning mechanism serves purposes beyond increasing the token’s value. He noted that higher transaction fees would burn XRP more quickly but would also worsen the user experience. Instead, the network keeps fees low to support usability while maintaining protection against spam transactions.

Schwartz responded by explaining how this design could benefit both the ledger and its associated digital asset.

“The thesis is this: Low fees and reliable operation make XRPL a great place to move and hold value. That drives value flow to XRPL. XRP captures some of that value because of its unique advantages over other assets on XRPL,” he wrote.

His explanation connects network activity with potential demand for XRP. As more financial applications use XRPL to transfer and hold value, XRP could benefit from its specific functions within the network.

XRP’s Utility Extends Beyond Transaction Fees

The discussion also examined whether XRP’s role in transaction fees and account reserves directly affects its market price.

Saul suggested that XRP’s use as a liquidity bridge through automated market maker and order book routing, commonly called autobridging, could provide a more direct connection between utility and price. He described the effects of transaction fees and reserves as having limited direct price impact, while potentially supporting demand indirectly through market expectations.

Schwartz agreed that liquidity bridging represents one example of the mechanism but added that XRP has other advantages on the ledger.

He explained that XRP is the only counterparty-free asset that every account can accept on XRPL. Accounts also need to hold XRP to pay transaction fees. These characteristics could contribute to demand as activity on the network increases.

The distinction matters because successful financial applications do not automatically guarantee higher asset prices. Demand also depends on how applications use the asset and whether competing assets can perform similar functions.

Why Schwartz Considers Weak XRP Demand Unlikely

Schwartz concluded that a successful XRPL ecosystem with little demand for XRP would be unlikely unless the world adopted one overwhelmingly dominant settlement asset.

“I think a world where XRPL is highly successful in financial applications but XRP does not have high demand and value is very unlikely,” he wrote.

His assessment reflects the possibility that XRP could benefit from several functions across a growing financial ecosystem rather than relying solely on transaction fees or token burns.

However, Schwartz’s comments describe a potential relationship between adoption and demand, not a guaranteed price outcome. XRP’s future value would still depend on actual usage, liquidity requirements, competition, and market conditions.

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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A thread involving members of the XRP community touched on several points about XRP’s fee structure and its deflationary design. Commenters had been pressing Schwartz on whether those features directly influence XRP’s price. That exchange set the stage for Schwartz’s explanation.

The Core Thesis

Schwartz summarized his position plainly. “Low fees and reliable operation make XRPL a great place to move and hold value,” he wrote. “That drives value flow to XRPL. XRP captures some of that value because of its unique advantages over other assets on XRPL.”

The argument moves in a specific sequence. Low fees and reliable operation attract activity to the XRP Ledger. That activity generates value flow onto the network. XRP then captures a portion of that value through its structural advantages over other assets on the same ledger.

The thesis is this: Low fees and reliable operation make XRPL a great place to move and hold value. That drives value flow to XRPL. XRP captures some of that value because of its unique advantages over other assets on XRPL.

— David 'JoelKatz' Schwartz (@JoelKatz) October 23, 2026

Why XRP Specifically?

Schwartz’s thesis separates two things that often get conflated in community discussions. The first is the value of the XRP Ledger as a network. The second is the value of XRP as the asset native to that network. His argument is that the ledger’s usefulness drives demand, and XRP benefits from that demand due to unique properties on the ledger.

Structural Advantages

Schwartz is describing a utility-based mechanism. If the ledger becomes more active, more value flows through it. XRP, by virtue of its position on the ledger, stands to capture more of that value. The greater the ledger’s activity, the stronger the case for XRP’s demand.

Community Responses

After Schwartz published the post, responses came in quickly. One of the community members who promoted the response pushed back on the thesis, arguing it was incomplete. He suggested that a higher XRP price is a practical requirement for the ledger’s success, not just a byproduct of it.

The other commenter responded by noting that Schwartz had already addressed that concern. He also offered his own interpretation of what “capture” means in Schwartz’s thesis, suggesting it referred to XRP’s use as a liquidity bridge through auto-bridging.

Schwartz confirmed that auto-bridging is one example but clarified the mechanism extends further. He noted XRP is the only counterparty-free asset any account on the ledger can accept. He also noted that users must hold XRP to pay fees. These properties, he argued, all contribute to driving value and demand for the asset.

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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David Schwartz, Ripple’s CTO Emeritus and co-architect of the XRP Ledger, responded to the XRP account’s debut post with a playful question: “Time for the Grateful Dead to create an @XRP song?”

The remark carries a layer of history. Schwartz is not publicly known as a Grateful Dead fan himself, but the band has a genuine connection to Ripple’s story.

Ripple acquired its domain, ripple.com, from a Grateful Dead fan who had registered it years earlier because of the band’s song “Ripple.” That connection has been part of Ripple’s lore ever since.

Time for the Grateful Dead to create an @XRP song? https://t.co/MdMWCxEap4

— David 'JoelKatz' Schwartz (@JoelKatz) October 19, 2026

XRP Makes its X Debut

XRP launched its official X account on October 19, under the handle @XRP. Its first post read: “hello, world. It’s about time.” The account is jointly managed by Ripple and the XRP Ledger Foundation. Ripple CEO Brad Garlinghouse also welcomed it.

The account amassed tens of thousands of followers within hours of going live, and had almost 87k followers at press time. Before this, the community often engaged with the official Ripple account, its executives, or with the Cashtags introduced to X earlier in the year. Despite XRP’s status as one of the most recognized digital assets in the world, it had no dedicated official X presence before today.

Schwartz’s Reaction

Schwartz’s post responded directly to the @XRP account’s debut. He quoted the new account’s first message and posed his Grateful Dead question to his followers. The joke landed well, given the band’s existing tie to Ripple’s origin story.

It also shows Schwartz maintaining his presence in the XRP community following his transition away from the CTO role at the end of 2025.

The Community Runs With It

The XRP community picked up on Schwartz’s post and took it further. One user referenced the Grateful Dead song “Bertha,” mentioning seeing what’s going down and reading between the lines. Another said the community already had an anthem ready for Schwartz, sharing a link to an XRP song created months earlier.

Multiple community members shared AI-generated Grateful Dead songs about XRP. The community often turns to AI to generate media concerning XRP and its history. One community member argued that it would be a better fit for an XRP holder to make the XRP anthem.

The Grateful Dead link to Ripple has existed since the company’s earliest days, but the responses go beyond that. It shows a community very excited for another way to engage with XRP.

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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