David Schwartz, CTO of Ripple, leads the technical direction of the XRP Ledger. The coverage here highlights his efforts to modernize XRPL infrastructure, now handling over 70 million monthly transactions, alongside improvements in fee management and scalability. Schwartz also actively addresses decentralization debates and works to debunk persistent myths, including the false narrative of an “XRP ICO.” His insights shape developer confidence, community engagement, and the broader conversation around XRP’s role in the evolving crypto ecosystem.