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Ripple CTO Emeritus David Schwartz has rejected claims that XRP is part of a secret U.S. government plan, saying the narrative does not match how Ripple’s business relationships and confidentiality agreements work.
Schwartz pushed back on renewed assertions that XRP is tied to hidden government or central bank arrangements. He argued that Ripple’s non-disclosure agreements (NDAs) reflect standard business privacy rather than covert agreements involving XRP.
He also cautioned XRP investors against making market decisions based on emotion or perceived “hidden signals,” warning that such approaches can lead to losses.
Schwartz said Ripple does have confidential agreements, but linked them to routine commercial activity. He characterized these NDAs as standard arrangements used by banking partners to protect commercial interests.
He said the claims that Ripple’s NDAs prove hidden government or central bank plans do not align with how Ripple’s financial-firm relationships operate.
Schwartz noted that Ripple’s connections with financial firms such as Deutsche Bank and Société Générale are public. He said these institutions use Ripple-linked infrastructure for services including messaging or settlement, including fiat and stablecoins such as RLUSD, rather than secret XRP programs.
Schwartz also addressed rumors about secret contracts tied to XRP held in Ripple escrow accounts. He said the escrow system remains visible on-chain and can be tracked by anyone.
His comments counter claims that large buyers or government-linked groups have private access to pre-allocated XRP outside public view, and he urged investors not to build expectations around such theories.
Schwartz’s remarks suggest Ripple wants attention focused on its role as a technology and payments infrastructure provider rather than speculative narratives about XRP.
The response comes as institutions continue to seek clearer rules, stronger compliance, and more predictable systems in crypto markets. By rejecting theories about secret plans, Ripple appears to be distancing XRP from claims that lack public evidence.
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