{"id":49700,"date":"2025-09-26T13:01:35","date_gmt":"2025-09-26T13:01:35","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=49700"},"modified":"2025-09-26T13:01:35","modified_gmt":"2025-09-26T13:01:35","slug":"amazon-uber-and-beyond-ripple-cto-predicts-big-techs-blockchain-migration","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=49700","title":{"rendered":"Amazon, Uber And Beyond\u2014Ripple CTO Predicts Big Tech\u2019s Blockchain Migration"},"content":{"rendered":"
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Ripple\u2019s Chief Technology Officer David Schwartz argued that large internet companies will inevitably adopt blockchain-based finance, contending that decentralized infrastructure is arriving \u201cat the right place at the right time\u201d to meet needs that legacy rails struggle to serve. The remarks came in Episode 1 of Ripple\u2019s new Onchain Economy video series, published on September 25. In the segment, Schwartz frames decentralized finance as a practical response to unmet enterprise demand rather than a speculative detour.<\/p>\n

Ripple CTO Foresees DeFi Eating Into TradFi<\/h2>\n

\u201cTech is coming for finance with or without blockchain. It was what was going to happen,\u201d Schwartz says, singling out hyperscalers and platform companies: \u201cNew corporations, companies like Amazon<\/a> and Uber<\/a> need more financial services than the current system is able to provide them. And the blockchain technologies are in the right place at the right time.\u201d He presents the thesis bluntly: this is less about converting traditional banks to crypto orthodoxy and more about meeting the operational realities of software-driven businesses that require programmable money, continuous settlement, and composable workflows.<\/p>\n

Schwartz also distances his argument from the narrower, speculative corners of crypto. \u201cIt can\u2019t just be collectibles and it can\u2019t just be\u2026 seeking very high reward at very high risk,\u201d he cautions, before asserting that DeFi\u2014broadly defined to include smart contracts and the infrastructure around them\u2014will \u201ctake a huge bite out of TradFi over the next couple of years.\u201d The condition, in his telling, is straightforward: the blockchain sector must ship services people actually want from a financial system, and do so with institutional-grade guardrails.<\/p>\n

That bridge between decentralization and compliance is the crux of the episode. \u201cI don\u2019t think there\u2019s a tension between institutional adoption and decentralization,\u201d Schwartz says. What institutions want from a base layer, he argues, is the very thing public chains offer: neutrality. \u201cEcosystems are interested in layer-1 blockchains because of their decentralization, because of their neutrality\u2026 institutions will see that the neutrality of blockchains is a positive rather than a negative.\u201d In other words, neutrality is not a governance liability; it is the feature that allows multiple counterparties to cooperate without surrendering control to a single gatekeeper.<\/p>\n

Schwartz\u2019s comments land amid Ripple\u2019s broader push to position XRPL as a venue for institutional on-chain finance\u2014stablecoin flows, tokenized assets, and eventually native credit\u2014supported by compliance-enabling primitives.<\/p>\n

In a September 22 analysis on its corporate site<\/a>, Ripple asserted that XRPL recorded $1+ billion in monthly stablecoin volume and ranks among the top chains for real-world asset activity, framing a roadmap that emphasizes verifiable credentials, \u201cDeep Freeze\u201d asset controls, and a planned protocol-level lending layer. Those claims, published by Ripple, form the company\u2019s context for why neutral public ledgers can satisfy institutional requirements without abandoning decentralization.<\/p>\n

Earlier this year, Ripple likewise proposed a permissioned DEX<\/a> concept tied to credentialed market access on XRPL\u2019s native exchange\u2014an approach meant to reconcile KYC\/AML obligations with the liquidity and transparency of a public order book. While the underlying standards still depend on network governance and implementation, the design illustrates how Ripple envisions regulated entities operating inside a decentralized environment without fragmenting liquidity into private silos.<\/p>\n

At press time, XRP traded at $2.76.<\/p>\n

\"XRP<\/div>\n","protected":false},"excerpt":{"rendered":"

Ripple\u2019s Chief Technology Officer David Schwartz argued that large internet companies will inevitably adopt blockchain-based finance, contending that decentralized infrastructure is arriving \u201cat the right place at the right time\u201d to meet needs that legacy rails struggle to serve. The remarks came in Episode 1 of Ripple\u2019s new Onchain Economy video series, published on September […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-49700","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/49700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=49700"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/49700\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}