Ripple’s David Schwartz sees tokenization and AI transforming DeFi by 2027

David Schwartz, CTO Emeritus of Ripple and a key architect behind the XRP Ledger (XRPL), has suggested that significant advances could soon reshape the decentralized finance (DeFi) sector, making it more accessible for everyday users. In a recent interview, Schwartz shared an optimistic outlook for DeFi’s evolution, particularly by the year 2027. He highlighted that industry-wide tokenization is rapidly gaining momentum, while regulatory barriers that have long hindered broader adoption are beginning to recede. Schwartz, who played a central role in designing the architecture of Ripple’s XRPL, believes that breaking down these legal and regulatory barriers is critical for widespread blockchain and DeFi adoption. Ripple is a San Francisco-based technology company specializing in digital payments and blockchain solutions, best known for issuing the cryptocurrency XRP and maintaining the XRP Ledger.

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