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$XRP Software engineer Vincent Van Code highlighted a post referencing comments from David Schwartz, Ripple’s Chief Technology Officer, addressing a long-standing question within the digital asset space: why large-scale institutional usage has not yet translated into billions of dollars in daily on-chain volume.
The post revisits Schwartz’s response to criticism that, despite more than a decade of development and hundreds of banking relationships, on-chain activity has remained comparatively modest.
The quoted remarks originate from Schwartz’s direct explanation of structural and regulatory constraints that have shaped institutional behavior over time. Rather than disputing the concern, Schwartz acknowledged that adoption has been slow and outlined why.

👉Why Institutions Have Preferred Off-Chain Activity
According to Schwartz, financial institutions have historically favored using digital assets in off-chain environments rather than settling directly on public blockchains. He explained that this preference was driven by compliance, risk management, and control considerations, particularly around counterparty risk and regulatory obligations. In his words, institutions were not opposed to the technology itself but cautious about the environment in which it operated.
Schwartz noted that this posture is beginning to shift. He stated that institutions are increasingly recognizing the operational and economic advantages of moving transactions on-chain, suggesting that the industry is approaching an inflection point. However, he was explicit that progress has been slower than many expected, including those within Ripple itself.
👉Limitations of On-Chain Payments Today
One of the most notable elements of Schwartz’s comments was his admission that even Ripple cannot yet rely on the XRP Ledger’s decentralized exchange for certain payment flows.
He explained that compliance risks remain a barrier, specifically the inability to guarantee that liquidity used in a transaction is not sourced from prohibited actors. This limitation, he said, prevents institutional-scale deployment in its current form.
Schwartz emphasized that this is not a theoretical concern but a practical one that directly affects whether regulated entities can operate on-chain at scale. Until such risks can be mitigated, institutions are unlikely to move high-value settlement activity onto public infrastructure.
👉Permissioned Domains and the Path Forward
Schwartz pointed to permissioned domains as a key development aimed at addressing these issues. He explained that such features would allow institutions to transact on-chain while maintaining necessary controls over counterparties and liquidity sources. In his view, this capability is essential for unlocking sustained, high-volume institutional usage.
Vincent Van Code framed these remarks as a pivotal signal for XRP’s long-term role in global payments. He referenced commentary suggesting that permissioned domains could enable trillions of dollars to move on-chain annually, with XRP positioned to capture a meaningful share of that activity over time.
Van Code characterized the post as essential and expressed confidence in XRP’s trajectory, reinforcing the belief that structural barriers, rather than lack of demand, have been the primary constraint to date.
Taken together, the statements underscore that the absence of massive daily on-chain volume has been due to readiness and regulation, not capability. Schwartz’s comments suggest that the next phase of institutional adoption depends less on partnerships and more on infrastructure that aligns on-chain settlement with regulatory realities.

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Avis aux détenteurs de XRP ! 🛡️ Une alliée de poids vient de rejoindre la bataille pour la clarté réglementaire. Teresa Goody Guillen, ancienne avocate de la SEC, vient de publier une analyse qui redonne le sourire à l'écosystème Ripple.
​Pourquoi c’est une victoire psychologique majeure ?
​1️⃣ "Spéculer n'est pas un crime" ❌👮
​Guillen affirme que détenir un actif dans l'espoir qu'il prenne de la valeur (ce qu'elle appelle un "intérêt économique passif") ne devrait pas suffire à le classer comme un titre financier. Pour elle, la SEC confond trop souvent spéculation et contrat d'investissement. C’est exactement le cœur de la défense de Ripple depuis des années !
​2️⃣ Une 3ème voie : Les "Digital Value Instruments" 🗺️💎
​Elle propose une solution concrète dans un nouveau projet de loi pour 2026 : créer une catégorie spéciale pour les actifs qui ne sont ni des actions, ni de simples marchandises. Cela sortirait enfin le XRP de cette "zone grise" qui freine son adoption.
​3️⃣ 🎁 LE BONUS : Les baleines accumulent ? 🐳
​Pendant que les débats font rage à Washington, les chiffres parlent : les réserves de XRP sur les grandes plateformes comme Bithumb, Binance et Uphold montrent une activité institutionnelle très forte en ce début d'année. Les gros poissons semblent se placer en attendant la décision finale sur le CLARITY Act.
​📌 L'analyse 🏹✨️:
​Quand des experts qui connaissent le système de l'intérieur (ex-SEC) commencent à valider les arguments de Ripple, c'est que le vent est en train de tourner. 🌬️ La clarté approche, et avec elle, le potentiel de voir le XRP enfin utilisé à sa pleine mesure par les institutions financières.
​Alors, team "Clarté Réglementaire" ou team "Supercycle" pour le XRP cette année ?
DYOR 🤓

$XRP has entered a significant phase in its market cycle. The cryptocurrency has spent 400 days within a rectangular reaccumulation pattern, which is now showing signs of consolidation above key support levels.
According to crypto analyst ChartNerd (@ChartNerdTA), this extended period may precede one of XRP’s most aggressive rallies in nearly 8 years. Traders are closely monitoring the asset for a potential breakout, as it may target double-digit prices.
👉Rectangular Reaccumulation Structure
The chart shared by ChartNerd highlights a rectangular bull flag pattern. XRP has oscillated between clearly defined reaccumulation support and resistance levels. The rectangular range demonstrates consolidation following a strong initial move, referred to as the flagpole on the chart.
The asset’s current price action remains above the lower boundary, validating the reaccumulation pattern. ChartNerd emphasizes the importance of maintaining support at this level to sustain the next upward trajectory.

👉Breakout Target and Price Projection
If XRP maintains its position above reaccumulation support, the rectangular bull flag structure suggests a double-digit breakout target. The chart marks a potential move toward $23.84.
This level aligns with the technical measurement derived from the height of the flag pole projected from the upper boundary of the reaccumulation zone. Traders and investors may view a breach of the resistance line as confirmation of a significant upward expansion.
👉Trading Range and Market Behavior
XRP’s price has remained within the 400-day trading range, displaying low volatility compared to the preceding flagpole movement. This extended consolidation has allowed the market to absorb prior gains and establish a solid base.
The trading range also indicates disciplined accumulation. Within this range, the support and resistance levels act as reference points for potential entries and exits. ChartNerd notes that the validity of the rectangular bull flag is contingent on price holding above the reaccumulation support.
👉What to Expect from XRP
Historically, XRP has experienced periods of prolonged consolidation before substantial upward movements. The current rectangular pattern mirrors previous bull flag setups in the market, where momentum accelerates once consolidation resolves.
The digital asset has been relatively quiet over the past year within this range. However, the structure suggests readiness for a decisive move. Market participants are closely observing XRP, as this consolidation pattern may signal one of the most significant rallies the cryptocurrency has experienced in years.

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