based on materials from the information portal - By U_Today

During a rare burst of real-time brainstorming at X, Ripple's Chief Technology Officer David Schwartz proposed two potential updates on how blockchain networks, particularly XRP Ledger, could manage transaction fees. The discussion, which involved developers, users, and protocol theorists, revolved around increasing fairness and efficiency without compromising consensus or performance.
Currently, XRP Ledger fees are dynamic but non-refundable — you pay to enter, and anything you offer above the required minimum is burned, even if it was not necessary. This has raised ongoing questions about overpayment, fairness, and incentive design.
Schwartz's first proposal suggests calculating the actual fee needed to include another transaction in the ledger after consensus is reached. Any user who pays more will receive a discount on the difference. This approach will maintain incentive alignment, ensuring that users are not penalized for honestly raising their bids for inclusion.

One of the ideas is to calculate the fee level necessary to include another transaction in the ledger after determining the set of consensus transactions, and return any fee paid above that level by any transaction. You might have to tweak this a bit to not disrupt consensus.

— David 'JoelKatz' Schwartz (@JoelKatz) June 16, 2025.
However, Schwartz noted a problem: getting all validators to agree on this post-consensus threshold without the risk of divergence. He believes this can be resolved with some protocol-level adjustments, but it will not be trivial.

Nothing is perfect.
His second idea is simply to calculate the average fee of all accepted transactions in the ledger and return anything that was paid above that. This is simpler to implement in practice, but it could still lead to overpayment if everyone bids the maximum they are willing to pay.

"Everyone is overpaying. It's not perfect," Schwartz wrote. The idea is to allow users to reveal their maximum price without guessing the minimum and losing money for honesty.

There is currently no official roadmap for implementing any of these systems, but the open discussion shows that Ripple's leadership is actively seeking better fee models.


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