David Schwartz Says XRP Ledger Adoption Needs Everyday Finance Links

Ripple CTO Emeritus David Schwartz said Wednesday that the XRP Ledger needs stronger ties to ordinary financial activity, including payments, investment access and connections to existing systems, to broaden its use. “We’re going to have to be able to solve problems that ordinary people actually have,” Schwartz said in an interview at Evernorth Holdings Inc.’s Nasdaq closing-bell event Wednesday, Oct. 14. He also pointed to on- and off-ramps and other connections as missing pieces. Schwartz is an original XRP Ledger architect. Evernorth, a Nasdaq-listed XRP treasury company, plans to both accumulate XRP and deploy from its 473 million XRP treasury through institutional strategies with Ripple, Kraken, Coinbase and BitGo. The effort is scheduled to begin in the fourth quarter of 2026.

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