Ripple CTO Outlines Broader Vision for XRPL Beyond Payments

Ripple’s David Schwartz has offered fresh insight into the evolving role of the XRP Ledger, signaling a shift from simple crypto transactions toward building a full-spectrum financial infrastructure.

In a string of recent posts, Schwartz suggested that Ripple’s tech stack is shaping up to resemble a decentralized financial system—capable of handling everything from payments to lending, investments, and tokenized assets.

He sees XRPL, together with XRP and stablecoins like RLUSD, as a platform poised to support the kinds of services typically handled by banks and fintech companies—only with greater speed and openness.

The ledger’s future, according to Schwartz, includes integrated markets, stablecoin ecosystems, and broader utility beyond just XRP.

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That said, XRP still plays a foundational role. It remains the only asset native to the ledger with no counterparty risk, used to pay network fees and facilitate liquidity. Features like autobridging and pathfinding are still built around XRP, maintaining its centrality even as new tokens are introduced.

When it comes to quantifying XRP’s value tied to actual XRPL activity, Schwartz admitted it’s difficult to pinpoint. Still, the direction Ripple is heading is clear: building a decentralized financial platform with XRP at its core—but not its ceiling.

Alexander Stefanov

With over 8 years of experience in the cryptocurrency and blockchain industry, Alexander is a seasoned content creator and market analyst dedicated to making digital assets more accessible and understandable. He specializes in breaking down complex crypto trends, analyzing market movements, and producing insightful content aimed at educating both newcomers and seasoned investors. Alexander has built a reputation for delivering timely and accurate analysis, while keeping a close eye on regulatory developments, emerging technologies, and macroeconomic trends that shape the future of digital finance. His work is rooted in a passion for innovation and a firm belief that widespread education is key to accelerating global crypto adoption.