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XRP Ledger aims to link more with everyday finance to boost adoption, says Ripple CTO Emeritus.

Protocol Fundamentals
16 Oct 2026
Tokenpost
View Source
Bullish
XRP Ledger aims to link more with everyday finance to boost adoption, says Ripple CTO Emeritus.

David Schwartz, Ripple CTO Emeritus and original XRP Ledger architect, emphasized the need for the XRP Ledger to connect more deeply with everyday financial activities like payments and investments to increase its use. He highlighted missing elements such as on- and off-ramps and integration with existing systems as key challenges. Evernorth Holdings, a Nasdaq-listed XRP treasury company, plans to deploy its 473 million XRP through institutional strategies with partners like Ripple, Kraken, Coinbase, and BitGo starting in late 2026. The rollout will include on-chain lending and credit features as they become validated and operational on the XRP Ledger.

XRP trades at Rp23.482 on Pluang as of Oct 17, 2026 07:01 WIB, with a market cap of Rp1.491,03 trillion and a 1-day decline of 1.77%. The article discusses efforts to expand XRP Ledger's use in everyday finance, while on Pluang, XRP shows a balanced trading interest with 57% sell and 43% buy orders. Typical holding time for XRP on Pluang is 72 days, indicating moderate investor engagement despite recent price dips.

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