The development fueled renewed momentum for Stellar’s native token, XLM, which rose sharply following the announcement. According to CoinMarketCap’s data, XLM gained 23% over the last 24 hours as investors reacted to the news.

The rally also triggered debate within the XRP community, with some questioning why the XRPL network was not chosen for the particular role highlighted in the DTCC announcement.

Vincent Van Code addressed those concerns directly in a detailed post, arguing that the situation should not be viewed as a setback for XRP or the XRP Ledger.

XLM having its day, after DTCC announced that "ONE" of the multi chain solutions will use XLM.

Now XRP folk are upset it wasnt XRPL, but I am not. Read on to learn why… pic.twitter.com/RIfXfTY1MF

— Vincent Van Code (@vincent_vancode) May 28, 2026

Vincent Van Code Says XRPL and XLM Serve Different Purposes

In his comments, Vincent Van Code explained that he believes XRPL and Stellar were designed with different priorities in mind. He stated that XRPL remains a “purpose-built liquidity machine” focused primarily on cross-currency payments and tokenization.

According to him, XRPL has been optimized for institutional settlement at a very high level. He pointed to features such as auto-bridging, liquidity pools, identity systems, and the platform’s decentralized exchange structure as examples of the network’s specialized capabilities.

At the same time, he suggested that Stellar likely met the specific technical and operational requirements needed for the DTCC solution. While he acknowledged that XRPL could potentially handle similar tasks, he argued that Stellar “ticked all of the boxes” for this particular implementation.

Van Code emphasized that the blockchain sector is evolving into an ecosystem where multiple networks can coexist while focusing on different functions. He said the DTCC development reinforces his long-held view that blockchain has a unique use case rather than a network dominating every area of the industry.

XRP Community Reactions Continue

The comments generated additional reactions from members of the crypto community, including Marc Ross, who weighed in on the price performance of both XLM and XRP.

Ross argued that price action does not always reflect long-term value. He noted that XLM reacted quickly to positive news while XRP has often remained flat or moved lower despite favorable developments connected to Ripple and the XRP ecosystem.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

He also suggested that Ripple’s monthly escrow releases may contribute to selling pressure, limiting XRP’s short-term price movement. Despite that observation, Ross described the overall DTCC-related development as positive for both networks.

Caution Against Overcommitting to XLM

Although Vincent Van Code acknowledged the growing attention around Stellar, he also warned investors against assuming that rising network activity automatically guarantees long-term token performance.

He stressed that Stellar’s network growth and XLM’s price movement may be connected, but they are not the same thing. He advised market participants to remain cautious and avoid going “all in” solely for recent momentum tied to the DTCC announcement.

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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Both applications carry a filing date of May 15, 2026, and both currently hold Status 630, meaning they are new applications not yet assigned to an examiner.

The two marks are distinct, covering the “RIPPLE” word mark and the Triskelion design, the three-circle logo the company has used as its visual identity.

HUUUGE NEWS:

RIPPLE HAS SUBMITTED TWO NEW TRADEMARK APPLICATIONS FOR TREASURY, BROKERAGE & INVESTMENT SERVICES! https://t.co/7VJezEYYpJhttps://t.co/2ZarPrkN3t pic.twitter.com/9nfG5DXqcm

— 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) May 27, 2026

The Filings

The scope of these filings is significant. Both applications list services across treasury operations, digital asset management, cash management, risk management, investment advisory services, and bank reconciliation.

They also extend into prime brokerage, securities lending, hedge fund management, financial clearinghouse functions, and brokerage services covering equities, derivatives, fixed income, foreign exchange, and commodities. This is not incremental. These categories represent the core functions of major institutional financial firms.

The Infrastructure Already Exists

Ripple is not filing speculatively. The company already owns and operates the infrastructure these trademarks describe. It acquired Hidden Road in 2025 for $1.25 billion and rebranded it as Ripple Prime, making Ripple the first crypto company to operate a global multi-asset prime broker. Ripple Prime clears over $3 trillion annually for more than 300 institutional clients.

The OCC conditionally approved a national trust bank for Ripple in December 2025. A final rule issued in April 2026 cleared the company to move toward active operation. Ripple also owns GTreasury for treasury software and Metaco for digital asset custody. The trademarks are legal protection for services already generating revenue.

XRP Sits at the Center of All of It

XRP sits at the center of this infrastructure. Ripple’s RLUSD stablecoin, launched in December 2024, is built for enterprise use, with compliance and reserve transparency as its foundation. Ripple has positioned RLUSD for payments, collateral management, and treasury functions. All three align directly with the new trademark categories.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

JPMorgan, Mastercard, and Ondo Finance recently completed a cross-border redemption of tokenized U.S. Treasuries on the XRP Ledger. That transaction demonstrated institutional-grade utility on Ripple’s platform at the highest level.

What’s Next for XRP?

Post-SEC clarity on XRP, the GENIUS Act establishing stablecoin frameworks, and the CLARITY Act advancing through the Senate Banking Committee have all reduced the compliance uncertainty that previously slowed institutional adoption. Ripple filed at the right moment.

As Ripple formalizes its brand across prime brokerage, clearing, and investment services, demand for XRP as a utility asset within that ecosystem increases. Every institutional service Ripple secures under these trademarks can run on the XRP Ledger.

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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An official announcement is supposedly expected later today. Crypto commentator John Squire (@TheCryptoSquire) shared the news, capturing the community’s attention. If confirmed, this ranks among the most consequential deals in the history of digital assets.

RUMOR ALERT

It is being reported that Ripple has acquired Circle, the issuer of the $61B stablecoin USDC.

An official announcement is supposedly expected later today.

If true, this would be one of the BIGGEST moves in crypto history. pic.twitter.com/Lpr7o7eX4D

— John Squire XRP (@TheCryptoSquire) May 25, 2026

Ripple Came for Circle Before

This move did not come out of nowhere. Ripple made its first move on Circle back in 2025. Bloomberg reported that Ripple offered between $4 billion and $5 billion to acquire Circle. Circle rejected the bid as too low.

At the time, Circle had its sights set elsewhere. The company had just filed for an IPO with the SEC, targeting a Class A listing on the NYSE. Ripple stayed interested. Reports indicated the company had not ruled out a second offer. Subsequent reporting suggested figures as high as $20 billion entered the conversation. The pursuit was serious, sustained, and strategic.

XRP Enters a Different League

XRP holders have reason to pay attention. According to Squire, “XRP is entering a whole different league.” Ripple built XRP as a tool for cross-border payments. It positions the token to move value across borders faster than legacy systems like SWIFT. That use case depends on adoption at scale.

Acquiring Circle changes the scale entirely. USDC is used by major financial institutions, payment platforms, and DeFi protocols globally. Ripple would gain direct access to that infrastructure. XRP’s role within Ripple’s ecosystem could expand significantly as a result.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

RLUSD Just Got a Much Bigger Stage

Ripple launched its own stablecoin, RLUSD, in late 2024. At the time of the original acquisition reports, RLUSD carried a market cap just above $300 million. USDC sat at over $60B. While RLUSD has grown significantly since then, it is a new product competing in a market dominated by other stablecoins. An acquisition closes that gap instantly.

Ripple would control both tokens, giving it leverage across the stablecoin market that no single crypto company currently holds. Whether Ripple continues running both tokens, consolidates, or repositions RLUSD remains to be seen.

The Market Is Watching

No official confirmation has arrived yet. The deal remains a developing story. What is clear is that Ripple pursued this aggressively. The original rejected bid, the sustained interest, and the escalating offer figures. This is a company that decided USDC was worth owning. Today, that pursuit may have reached its conclusion.

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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Crypto pundit Minus Wells (@MinusWells) shared a clip of Garlinghouse’s remarks. It immediately caught the XRP army’s attention. What Garlinghouse said about blockchain settlement, institutional conviction, and Ripple’s strategy gave the community plenty to work with.

Settlement Friction Is the Problem Tokenization Solves

Garlinghouse identified transaction settlement as a core inefficiency that blockchain technology directly addresses. He pointed to real-world examples where settlement carries “a ton of friction.” Blockchains, in his view, remove that friction entirely.

He was careful not to claim that tokenization applies universally. Some use cases give him pause. His position is that the technology works best when a genuine problem drives its adoption. When technology goes searching for a problem instead, the results are weaker. That distinction explains how Ripple approaches the market.

RIPPLE CEO BRAD GARLINGHOUSE JUST A HUGE CLUE

“Forget Bitcoin, Tokenization is the real disruptor that BlackRock and global markets are secretly betting EVERYTHING on.”

While you’re still chasing BTC pumps… the trillion-dollar institutions have already moved on.

The… https://t.co/gr0Ygx8uv2 pic.twitter.com/TTlYY3abzs

— ᙢinus ᙡells (@MinusWells) May 22, 2026

BlackRock’s Commitment Signals Institutional Conviction

Garlinghouse pointed to BlackRock CEO Larry Fink as a significant signal of where institutional confidence currently sits. Fink has stated publicly that he believes a large percentage of global assets will eventually be tokenized for more efficient management, storage, and transactions. Garlinghouse stated, “I agree with him.”

He described Fink as someone who has “leaned in in a big way” around tokenization. He also predicted that the pace of adoption will be faster than most people expect. BlackRock’s active involvement signals that tokenization has moved well past the theoretical stage for the world’s largest asset manager.

Ripple Takes a Vertical Approach

Garlinghouse laid out Ripple’s strategy clearly. The company targets specific verticals rather than spreading across every available sector. He used insurance as a concrete example, noting that XRP and blockchain technology hold real potential for the industry, covering the full transaction and settlement process, not just payments.

He was direct about where Ripple draws the line. Referring to insurance, he said, “Ripple doesn’t know anything about that.” The company will not enter a market without genuine expertise behind it. Specialists who understand each vertical are essential to applying the technology where it produces real results.

Institutional Momentum Builds

The XRP community’s response to Minus Wells’ post reflects strong confidence that XRP and Ripple’s positioning align with where institutional capital is already moving. Garlinghouse’s comments reinforce that tokenization is an active priority for major players, not a distant concept.

The company’s vertical focus is important as it shows a disciplined growth strategy. Garlinghouse offered no specific timeline, but delivered a clear view of the opportunity and how Ripple intends to capture it. The XRP community is watching closely.

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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Software engineer Vincent Van Code (@vincent_vancode) responded directly to the post. He noted that NewsMax either has inside knowledge or is deliberately targeting XRP community traffic. He added, “I would take it with a grain of salt.”

This news site posted a Ripple logo, they either know something or just want XRP army traffic to their site.

I would take it with a grain of salt. https://t.co/qsbxSQVAs7 pic.twitter.com/Tc9jLlPSFB

— Vincent Van Code (@vincent_vancode) May 19, 2026

What the Report Says

The substance of the NewsMax report is significant on its own. The Trump administration plans to unveil a framework for trading tokenized or digital versions of securities, according to Bloomberg News, which cited people familiar with the matter.

Tokenized securities represent a major area of interest in the current regulatory environment. The move would create pathways for crypto assets to operate within traditional financial markets. XRP has long been associated with institutional financial infrastructure, which makes the logo choice notable to many in the community.

Why the Logo Choice Matters to XRP Holders

NewsMax did not name XRP or Ripple in the report. The logo appeared as the article’s featured image. NewsMax either knows something or wants the traffic.

XRP has one of the most engaged communities in crypto. The XRP Army follows developments closely and searches aggressively for news. A Ripple logo on a high-profile policy story pulls that audience in. It costs nothing editorially and drives significant clicks.

XRP also carries a unique history with securities law. The SEC wrongly classified XRP as an unregistered security for years before Ripple won key court rulings.

That battle kept XRP at the center of every conversation about crypto regulation and securities law. A story about tokenized securities trading is exactly the kind of headline the XRP community gravitates toward. NewsMax knows that.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Do They Know Something?

The other possibility is more straightforward. The Trump administration is building a framework for digital securities trading. Ripple’s core technology targets institutional finance and cross-border settlements. If XRP plays a role in whatever the administration announces, using the logo now would make editorial sense.

No confirmation exists, and no source named Ripple. The logo choice remains unexplained. But it appeared in a story about digital securities policy at a moment when the administration is actively shaping crypto regulation. That timing is worth paying attention to.

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 pundit argued in a recent tweet that the move reflects growing institutional confidence in XRP despite continued skepticism within parts of the crypto market.

The post emphasized that Intesa Sanpaolo manages approximately $1.1 trillion in assets, making the bank’s reported XRP exposure notable for the digital asset sector.

X Finance Bull stated that while many market participants remained pessimistic about Ripple and XRP during recent market weakness, large financial institutions were quietly positioning themselves for what the commentator described as an upcoming bullish phase for crypto assets.

The tweet also focused heavily on investor sentiment during the current market downturn. According to X Finance Bull, traders should pay attention to the movement of institutional capital rather than short-term market fear.

The commentator argued that trillion-dollar financial institutions would not gain exposure to XRP unless they believed the asset had long-term potential and utility within the evolving financial system.

BOOM! ITALY’S LARGEST BANK, WITH AROUND $1.1 TRILLION IN ASSETS, JUST TOOK AN $18M POSITION IN $XRP VIA GRAYSCALE XRP TRUST

While people were bear posting Ripple and XRP, trillion-dollar banks were positioning for the upcoming bull market.

If you’re feeling down because… https://t.co/9K7qo3mWfa pic.twitter.com/wtIcHEvJ0S

— X Finance Bull (@Xfinancebull) May 16, 2026

Intesa Sanpaolo’s Crypto Expansion

The claims shared by X Finance Bull were tied to a report featured in a video from WuBlockchain. According to the report, Intesa Sanpaolo significantly expanded its cryptocurrency-related holdings during the first quarter of 2026.

The bank reportedly increased its crypto exposure from around $100 million in the fourth quarter of 2025 to approximately $235 million by the end of March 2026.

The report stated that the bank increased its Bitcoin holdings and gained exposure to Ethereum for the first time through purchases linked to the BlackRock iShares Staked Ethereum Trust. Alongside those investments, Intesa Sanpaolo reportedly established a new XRP-related position through the Grayscale XRP Trust.

According to the report, the bank held 712,319 shares of the Grayscale XRP Trust with an estimated value of about $18 million as of March 31. The same report says Intesa Sanpaolo reduced its exposure to Solana-related products during the quarter, including a reduction in holdings linked to the Bitwise Solana Staking ETF.

XRP’s Institutional Narrative Continues to Grow

X Finance Bull used the development to reinforce a larger argument that XRP continues to attract institutional attention despite ongoing criticism from some market participants.

In the post, the commentator questioned how many major financial institutions would need to gain exposure to XRP before critics stopped dismissing the asset.

The post reflects a narrative that has become increasingly common among XRP supporters, particularly as banks, asset managers, and investment firms continue exploring regulated crypto investment products.

While the reported exposure does not mean Intesa Sanpaolo directly purchased XRP tokens, the investment through Grayscale’s trust product still represents indirect exposure to the asset’s price performance.

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.

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

— 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.

The post XRP Army Reacts As David Schwartz Shares View On Ripple’s Strategy appeared first on Times Tabloid.

His remarks focus on how announcements involving Ripple partnerships are often interpreted and why those interpretations may not accurately reflect XRP’s actual usage.

Important clarification for the XRP community

When you see the headline “Ripple signs partnership with Bank X”, most people immediately think:
“Great! XRP is being used!”

But that’s often not the case.
Reality check:
• Ripple is a company that sells enterprise payment…

— Arthur (@XrpArthur) April 27, 2026

Clarifying Ripple Partnerships and XRP Usage

Arthur begins by addressing a common reaction to headlines announcing that Ripple has signed a partnership with a financial institution. According to him, many readers immediately assume that such developments mean XRP is being used in the partnership. He states that this assumption is frequently incorrect.

He explains that Ripple operates primarily as a company offering enterprise payment technology. Its core products, including RippleNet and related solutions, are designed to support cross-border payments, messaging infrastructure, and treasury management for financial institutions. These tools, Arthur notes, form the foundation of most Ripple partnerships.

However, he emphasizes that the majority of these partnerships do not involve XRP. Instead, banks and financial institutions typically adopt Ripple’s technology stack without integrating the digital asset itself. This distinction, he suggests, is often overlooked when partnership announcements are publicized.

When XRP Is Actually Used

Arthur further clarifies that XRP is used only in specific cases where institutions opt for solutions such as On-Demand Liquidity (ODL) or newer products built to integrate the token on the XRP Ledger. In these scenarios, XRP plays a functional role in facilitating liquidity and enabling faster transactions.

Despite this, he points out that such use cases represent a smaller portion of Ripple’s overall enterprise activity. As a result, the growth of Ripple’s business operations does not directly translate into widespread XRP adoption.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Explaining Community Frustration

Arthur acknowledges that this disconnect helps explain why some long-term XRP holders express frustration. He states that while Ripple continues to expand rapidly on the enterprise side, the pace of XRP adoption remains comparatively slower.

This difference, according to his commentary, creates a situation where Ripple’s commercial success is visible and measurable, but the direct impact on XRP usage is less immediate. He stresses that understanding this distinction is essential for accurately assessing developments within the ecosystem.

Arthur concludes by reinforcing the importance of separating Ripple’s corporate progress from XRP’s adoption trajectory. His remarks encourage readers to evaluate announcements more carefully and to recognize that not all Ripple-related news directly affects the utility or demand for XRP.

This clarification provides a more nuanced perspective on the function of Ripple’s partnerships and their relation to XRP’s role in the financial technology landscape.

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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