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Ripple’s Chief Technology Officer Emeritus David Schwartz used a social media post to challenge a common misconception in XRP discussions: that higher XRP prices would reduce the token’s usefulness for payments. Schwartz argued that, for large cross-border transfers, higher XRP prices can improve how the system functions for banks and financial institutions.
Schwartz said that higher XRP prices mean fewer tokens are required to complete large transactions. He illustrated the point with an example: if XRP trades at $2 instead of $0.50, moving $10 million would require 5 million tokens rather than 20 million tokens.
According to Schwartz, fewer tokens needed for the same transaction size can translate into better liquidity, which in turn can reduce transaction costs. He also suggested that this structure can help institutions source the XRP they need without creating large market price swings, and without facing liquidity shortages.
The post also contrasted XRP settlement with traditional correspondent banking. Schwartz pointed to the fact that Swift transfers can take days, while XRP settlements occur in seconds.
He further emphasized that higher, more stable XRP prices can support predictable transaction costs for institutions planning large transfers weeks in advance, potentially reducing uncertainty around costs tied to market volatility.
Despite Ripple’s ongoing business activity, the U.S. SEC lawsuit continues to weigh on sentiment. The case began in December 2020, when regulators alleged that Ripple sold XRP as an unregistered security. The dispute has remained unresolved for years, and market participants are awaiting developments.
Ripple has continued expanding internationally during the legal process. The article notes that Ripple announced a Southeast Asia partnership on March 15, working with a major financial institution to build faster cross-border payment solutions using XRP.
The article states that XRP was trading around $0.85 in late March, after earlier lows in the year. It also cites CoinMarketCap data showing XRP reaching $2.5 billion in 24-hour trading volume recently.
Ripple CEO Brad Garlinghouse is described as optimistic about the SEC case, with the article noting that a decision is expected later this year, though timing remains unclear.
Ripple General Counsel Stuart Alderoty said in a March 28 interview that the company is cooperating with regulators to clarify XRP’s legal status, adding that regulatory clarity supports innovation.
On April 1, Ripple announced another partnership with a European fintech firm to pilot new payment solutions. The article says the goal is to demonstrate that XRP can reduce transaction times and costs for European businesses, aligning with Schwartz’s view that higher XRP pricing can support more efficient payment execution.
The article concludes that Ripple is building a global network while the U.S. regulatory framework remains under review. It also notes that XRP’s price may continue to fluctuate until regulatory clarity arrives and more institutions use XRP for payments rather than speculation.
Higher prices mean fewer tokens are needed for large transactions, which can improve liquidity and help lower costs for financial institutions moving money across borders.
The decision is expected later this year, but the article says Ripple has not provided specific timelines and the SEC has not announced when it will rule.
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