{"id":64983,"date":"2025-12-23T22:31:37","date_gmt":"2025-12-23T22:31:37","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=64983"},"modified":"2025-12-23T22:31:37","modified_gmt":"2025-12-23T22:31:37","slug":"ripple-cto-explains-how-the-xrp-ledger-will-take-over-the-world","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=64983","title":{"rendered":"Ripple CTO Explains How The XRP Ledger \u2018Will Take Over The World\u2019"},"content":{"rendered":"
\n

On a Token Relations webinar for the XRP ecosystem on Dec. 20, Ripple CTO David Schwartz was asked the sort of question that usually produces a tidy dashboard answer, what on-chain metrics actually matter, what\u2019s \u201creal\u201d economic activity, and what trends are showing up across the ledger (and, yes, the ETF chatter in the background). He went straight to the point: usage that sticks, value that moves, and the boring-but-decisive plumbing that financial institutions actually care about will \u201ctake over the world.\u201d<\/p>\n

How Ripple Wants To Make The XRPL Mainstream<\/h2>\n

\u201cI definitely focus on metrics that show sustained usage and real value moving through the network,\u201d Schwartz said<\/a>. \u201cTransaction activity is probably the clearest signal. The XRP ledger has now processed more than four billion transactions with pretty consistent settlement in about four to five seconds at a fairly predictable fee.\u201d<\/p>\n

That\u2019s the pitch in one breath: scale, predictable finality, and fees so low you don\u2019t have to pretend they\u2019re a feature.\u201cYou know, a transaction on the XRP ledger costs a tiny fraction of a penny,\u201d the Ripple CTO added. \u201cIt\u2019s not trying to extract value from people\u2019s transactions. That\u2019s trying to enable people to do what they need to do.\u201d<\/p>\n

Then he pivoted to liquidity, the kind of line XRP holders love to hear, but framed as infrastructure rather than tribal scoreboard-watching. \u201cLiquidity is another huge factor,\u201d Schwartz said. \u201cXRP is a top five digital asset by market capitalization and has been for I think 10 years now, about 109 billion dollars deep global liquidity for real financial activity. That depth matters.\u201d<\/p>\n

The bigger point he kept coming back to was momentum in actual network use, not just \u201cwe issued a token and it sat there.\u201d<\/p>\n

\u201cThe XRP ledger itself is now one of the top 10 blockchains for real world activity this year with a rate of increase that\u2019s just absolutely astonishing from a use case that was you know almost unthinkable just a year ago,\u201d he said. \u201cWe now have institutional issuers like Guggenheim, Ondo [Finance]<\/a>, Aberdeen [Standard Investments], Franklin [Templeton]<\/a>.\u201d<\/p>\n

And then the part that\u2019s meant to separate \u201cRWA theater\u201d from RWAs that matter<\/a>: \u201cAnd it\u2019s not just issuance, you know, it wouldn\u2019t be super exciting if they were just sort of issuing an asset on chain that just sort of sat on chain,\u201d the Ripple CTO said. \u201cWhat\u2019s interesting is that these assets are actually moving and settling on chain. So the financial activity is getting the benefit.\u201d<\/p>\n

That little distinction is where a lot of tokenization narratives either hold up or collapse. Anybody can \u201cissue\u201d a thing on a ledger. The harder bit is getting it to behave like financial infrastructure, moving, settling, plugging into workflows that aren\u2019t built for crypto vibes.<\/p>\n

Schwartz also threw a bit of cold water on the current retail mix. XRPL has users who love the tech (and users who love leverage), but he was pretty blunt that this isn\u2019t the endgame.<\/p>\n

But obviously that\u2019s not how we\u2019re going to take over the world. We\u2019re going to take over the world with solid financial products that solve real world use cases. And we are actually starting to see that now enabled by things like stablecoins and tokenized real world assets that let us handle these use cases like payments and like reasonable investments, tokenized money, market funds and treasuries,\u201d he said. \u201c<\/p>\n

And retail might follow the institutions, not the other way around. The Ripple CTO pointed to \u201cmore than 500,000 new wallets\u201d created, framing it as early evidence that institutional rails can drag everyday users in behind them.<\/p>\n

At press time, XRP traded at $1.88.<\/p>\n

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

On a Token Relations webinar for the XRP ecosystem on Dec. 20, Ripple CTO David Schwartz was asked the sort of question that usually produces a tidy dashboard answer, what on-chain metrics actually matter, what\u2019s \u201creal\u201d economic activity, and what trends are showing up across the ledger (and, yes, the ETF chatter in the background). […]<\/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-64983","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\/64983","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=64983"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/64983\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=64983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=64983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=64983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}