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$XRP A recent post by crypto YouTuber Crypto X AiMan has drawn attention to comments from the outgoing Ripple CTO, David Schwartz, outlining what he sees as the next stage of development for XRP.
The message presented XRP as moving toward a broader function within global finance, with institutional momentum building now and retail participation expected to follow.
Rather than focusing on short-term market rallies, the emphasis was placed on infrastructure, regulation, and practical use cases that could shape how XRP is used across multiple financial environments.

✨Interoperability and Regulatory Clarity
Schwartz’s remarks, as highlighted in the video shared by Crypto X AiMan, centered on the idea that even in a future where XRP is widely adopted, it will not exist in a single venue. He explained that XRP is expected to operate across interconnected ecosystems, including on the XRP Ledger, exchanges, investment products such as ETFs, and within digital asset treasury companies.
This multi-location presence makes interoperability essential, allowing value to move efficiently between payment systems, stablecoins, tokenized assets, and different networks.
Another key point was the importance of regulatory certainty. Schwartz noted that clearer guidance in the United States has made it easier for institutions to assess risk and commit to longer-term integration.
According to the perspective presented, this improvement in the regulatory environment has already contributed to a noticeable increase in institutional engagement, which is seen as a critical foundation for future growth.
✨Institutional Adoption as the Enabler
Crypto X AiMan underscored Schwartz’s view that enterprise adoption is accelerating and currently represents where most activity occurs. On-chain liquidity, tokenized real-world assets, and growing transaction flows were described as indicators of this shift.
Schwartz also pointed to the emergence of XRP-focused treasury companies, such as Evernorth, which manage holdings, pursue yield strategies, and actively participate in validation and liquidity provisioning within the ecosystem.
In this framework, institutions are encouraged to see XRP as a financial infrastructure and a neutral settlement asset capable of connecting currencies, payment systems, and markets without the need for pre-funding or lengthy settlement processes. Features like auto-bridging on the XRP Ledger were referenced as structural advantages that support liquidity and efficient pricing when direct trading pairs are unavailable.
✨From Infrastructure to Retail Use
While institutional engagement is advancing, Schwartz suggested that this is not the final objective. Instead, it is portrayed as the step that enables broader retail adoption. He argued that everyday users are seeking practical services such as payments, access to funds, lending, and sensible investment options, and that current blockchain systems have struggled to meet these needs at scale. The tools and liquidity developed through enterprise use are expected to make these retail-focused applications viable.
The commentary also highlighted potential growth areas, including XRP’s use as collateral in lending and margin workflows, expanding DeFi activity, wrapped XRP on other networks, and the development of ETFs as a measure of sustained institutional interest. Improved liquidity and price discovery were presented as outcomes that could make XRP more attractive to large market participants.
In presenting these points, Crypto X AiMan framed Schwartz’s comments as a significant signal for XRP holders, emphasizing that the coming period may be defined less by speculation and more by XRP becoming embedded in real financial workflows across institutions and, eventually, everyday users.

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