Ripple’s Chief Technology Officer, David Schwartz, has explained why XRP should continue to be the bridge currency of choice for international payments, even in an era dominated by stablecoins like RLUSD. According to him, XRP offers a unique combination of neutrality, high liquidity, and technological readiness that other digital assets have yet to match.


🔹 Why XRP Still Leads the Way

In responses shared on X, Schwartz addressed questions about XRP’s future in a world increasingly leaning toward stablecoins. He emphasized that in a global financial system divided by numerous fiat currencies, no single stablecoin can achieve total dominance. That’s where XRP comes in—as a “neutral bridge” ideally suited for cross-border payments, asset tokenization, and credit markets.

While volatility is often cited as a drawback, Schwartz noted that XRP is held only briefly during transactions, limiting exposure to price swings.


🔹 XRP and RLUSD as the Core of Future Infrastructure

Schwartz also highlighted RLUSD’s growing importance and suggested that XRP and RLUSD could become foundational to the new financial infrastructure—especially after the passing of the GENIUS Act, which aims to provide legal clarity for stablecoins and crypto in the U.S.

He addressed concerns over why anyone would hold XRP if it’s just a bridge asset. Liquidity providers must hold XRP to facilitate trades, and institutions unsure of which asset they’ll need next are more likely to hold XRP due to its versatility and liquidity.


🔹 XRPL Adoption: Built for Global Integration

Schwartz spoke on the broader topic of XRPL (XRP Ledger) adoption and the challenges facing Ripple’s decentralized exchange (DEX). Regulatory uncertainty and concerns over bad actors in decentralized systems have slowed adoption, but Schwartz believes new features such as permission layers will help resolve these issues.

He argued that XRPL’s openness, scalability, and interoperability make it appealing to institutions like BlackRock—who may opt for XRPL over proprietary solutions, much like USDC operates on multiple blockchain networks.


🔹 Global and Borderless by Design

Finally, Schwartz pointed out that XRPL does not restrict participation based on nationality—an advantage in a geopolitically fragmented world. This neutrality is crucial for global adoption.

In his view, XRP continues to play an essential role as a bridge between traditional currencies, tokenized assets, and the future of finance. Alongside RLUSD, it could form the backbone of a new digital economy.

#xrp , #Ripple , #CryptoCommunity , #RLUSD , #Stablecoins

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