THE HOTTEST DISCUSSION IN THE CRYPTO WORLD: XRP'S FUTURE IS BEING QUESTIONED
Famous investor Andrei Jikh asked tough questions about Ripple and XRP on X on July 30, 2025: Why is the on-chain volume low despite 300+ bank partnerships, the volatility issue, the incentive to hold as a bridge currency, the future of stablecoins, the preference of giants like BlackRock for XRPL, and geopolitical risks (Jikh, 2025).
Ripple CTO David Schwartz acknowledged the slowness of institutional transition in his responses: "Institutions prefer off-chain, and even Ripple cannot use the XRPL DEX due to terrorist financing risks" (Schwartz, 2025).
Seeing volatility as a positive, Schwartz argued that a single stablecoin cannot win, and XRP's role as a bridge will continue in a multi-coin world (Cointelegraph, 2025).
In response to the BlackRock question, he cited Circle's USDC example: "Why don't they establish their own blockchains? The logic is the same" (BeInCrypto, 2025). He emphasized the neutrality of XRPL in geopolitical risk.
This dialogue illuminated the doubts in XRP’s 13-year journey. Ultimately, XRP's future appears to depend on regulation and the diversity of stablecoins.
