Ripple CTO Says XRP Is Where People Can Be Their Own Bank The Ripple CTO, David Schwartz, recently suggested that the XRP value proposition is that it allows people to be their own banks without depending on middlemen. His comments came after Western Union chose Solana over the XRP Ledger (XRPL)… Leave a Reply Cancel replyYour email address will not be published. Required fields are marked *Comment * Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Filed under: Altcoins - @ October 31, 2025 6:16 am