Ripple CTO David Schwartz Responds to Concerns Over XRP Ledger’s Low On-Chain Activity

In light of recent skepticism surrounding the XRP Ledger's (XRPL) subdued transaction volumes, Ripple's Chief Technology Officer, David Schwartz, has addressed the concerns head-on. Despite Ripple's impressive network of over 300 banking partnerships, on-chain activity on the XRPL has remained lackluster, a point underscored by crypto commentator Andrei Jikh in a recent social media critique. Schwartz highlighted the preference of institutional players for off-chain digital asset usage as a significant factor contributing to the muted on-chain activity. This development raises questions about the future trajectory of XRP and its adoption in the broader financial ecosystem. As of August 2025, the crypto community remains keenly observant of how Ripple plans to bolster on-chain engagement and leverage its extensive partnerships to drive XRP's utility and value.

Ripple CTO Addresses Concerns Over XRPL's Sluggish On-Chain Activity

David Schwartz, Ripple's Chief Technology Officer, has responded to growing skepticism about the XRP Ledger's muted transaction volumes. Despite Ripple's extensive network of 300+ banking partnerships, on-chain activity remains underwhelming—a point highlighted by crypto commentator Andrei Jikh in a recent social media critique.

Schwartz acknowledged institutional preferences for off-chain digital asset usage as a key factor. "Even Ripple can't use the XRPL DEX for payments yet because we can't be sure a terrorist won't provide the liquidity for a payment," he noted, pointing to upcoming features like permissioned domains as potential solutions.

The CTO defended XRP's volatility as potentially beneficial for certain use cases, particularly as a bridge currency. "Market participants need to hold it for liquidity purposes and efficient asset conversion," Schwartz explained, pushing back against comparisons with stablecoins.

Ripple Confirms Institutional XRP Adoption as Tokenization Launch Nears

Ripple's institutional XRP adoption is accelerating, with the XRP Ledger's Institutional Tokenization Program set to launch on August 1. The initiative aims to bring traditional finance assets on-chain, leveraging the XRP Ledger for secure and efficient tokenization.

Despite a 1.96% dip in XRP's price, Ripple President Monica Long confirms growing institutional interest. The acquisition of Hidden Road further bridges hedge funds to the XRP Ledger, signaling deeper integration with traditional finance.

Banxchange.com has emerged as a key tool for rapid XRPL token creation, catering to both institutional and individual users ahead of the program's launch.

Ripple Faces Continued Scrutiny Over On-Chain Utility of XRP Ledger

Ripple’s XRP Ledger (XRPL) remains under scrutiny as its decentralized exchange (DEX) struggles with compliance risks tied to liquidity provider identity. Despite over 300 global banking partnerships, daily on-chain volume remains low, with regulatory constraints hindering enterprise adoption.

XRP’s volatility presents strategic advantages for bridge transactions in unpredictable markets, yet institutional hesitancy persists. The fragmented stablecoin landscape further complicates XRPL’s positioning, as no single stablecoin has achieved global dominance.

Industry participants, including Bill Morgan, highlight Ripple’s inability to fully screen DEX liquidity providers—a critical barrier for payment use cases. "Even Ripple can't use the XRPL DEX for payments yet," Morgan noted, underscoring unresolved regulatory challenges.

XRP Price Poised for 44% Surge to $4.804 if Key Support Holds

XRP is showing renewed bullish momentum as technical indicators suggest a potential breakout. The cryptocurrency has reclaimed a critical support level at $2.47, now serving as a springboard for higher prices.

Analyst Javon Marks identifies $4.804 as the next target, representing a 44% gain from current levels. The technical setup reveals a pattern of higher lows, reinforcing the case for upward movement. Market participants are watching the $2.47 level closely—its maintenance could validate the bullish thesis.

XRP Whale Outflows Signal Potential Price Correction Amid Rally

Large XRP holders have withdrawn an average of $28 million daily over the past 90 days, according to CryptoQuant data. This sustained distribution phase persists despite the asset's recent price surge, mirroring a similar whale outflow pattern observed in February 2025 that preceded a market correction.

CryptoQuant analyst JA Maartunn notes the 90-day whale FLOW metric has turned negative again after brief positivity in May and June. The divergence between rising prices and weakening on-chain momentum raises sustainability concerns for XRP's current valuation.

Ripple co-founder Chris Larsen's recent transfer of $140 million in XRP to exchanges following the altcoin's $3.65 all-time high has intensified scrutiny. On-chain records show Larsen-linked wallets still control over 2.81 billion XRP (~$8.4 billion), highlighting ongoing centralization risks.

XRP Price Tests Critical $3 Support Amid Sustained Correction

XRP's bullish momentum has stalled as the cryptocurrency struggles to maintain footing above the psychologically significant $3 level. The token now trades NEAR $3.11 after failing to sustain July's parabolic rally that briefly pushed prices above $3.70.

Market structure shows concerning signs of distribution, with consecutive lower highs and muted buying interest. Trading volume remains anemic—neither confirming aggressive selling nor demonstrating meaningful accumulation. Technical indicators suggest further downside potential as the RSI retreats from overbought territory.

The $2.75-$2.99 support zone looms as a critical test should XRP lose its $3 foothold. This area previously served as consolidation territory before July's breakout. Market participants await either a decisive breakdown that could unravel recent gains or a stabilization that WOULD preserve the bullish thesis.