{"id":70664,"date":"2026-04-05T02:09:19","date_gmt":"2026-04-05T02:09:19","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/ripples-schwartz-says-hed-pick-xrp-or-btc-over-usd-for-locked-funds-featured-bitcoin-news\/"},"modified":"2026-04-05T02:09:19","modified_gmt":"2026-04-05T02:09:19","slug":"ripples-schwartz-says-hed-pick-xrp-or-btc-over-usd-for-locked-funds-featured-bitcoin-news","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/ripples-schwartz-says-hed-pick-xrp-or-btc-over-usd-for-locked-funds-featured-bitcoin-news\/","title":{"rendered":"Ripple\u2019s Schwartz Says He\u2019d Pick XRP or BTC Over USD for Locked Funds \u2013 Featured Bitcoin News"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li>Ripple\u2019s David Schwartz favors <span>XRP<\/span> and <span>BTC<\/span> over USD for escrow, citing stronger upside.<\/li>\n<li>He warns issuers can freeze funds, exposing users to centralized control risk.<\/li>\n<li>He says <span>stablecoins<\/span> tied to fiat limit global utility across borders and multi-currency systems.<\/li>\n<\/ul>\n<h2>Ripple CTO Emeritus Breaks Down 3 Key <span>Crypto<\/span> Advantages<\/h2>\n<p>David Schwartz, CTO emeritus of Ripple, shared on social media platform X on April 2 his views on <span>stablecoins<\/span> and <span>cryptocurrencies<\/span>. He outlined three specific advantages <span>cryptocurrencies<\/span> hold over <span>stablecoins<\/span>. His remarks focused on cross-border limitations, issuer control risks, and long-term value potential in digital assets. The discussion framed how different asset types serve distinct roles in financial systems.<\/p>\n<p>\u201cThere are some cases where <span>volatility<\/span> is a huge problem and so a <span>stablecoin<\/span> is a better choice than a <span>cryptocurrency<\/span>,\u201d he explained. \u201cSimilarly, there are some cases where a regulated asset with a trusted counterparty is a benefit.\u201d<\/p>\n<p>Schwartz then detailed his first point, explaining that <span>stablecoins<\/span> are limited because they are tied to a single fiat currency. He argued that this structure reduces their effectiveness in applications spanning multiple jurisdictions with different national currencies. He indicated that users may not find a <span>stablecoin<\/span> matching the exact fiat exposure and qualities required for global use cases. This limitation becomes more apparent in cross-border payments, trade settlements, and decentralized systems operating across regions.<\/p>\n<p>The second point focused on control and legal exposure tied to <span>stablecoin<\/span> issuers. Schwartz noted:<\/p>\n<blockquote>\n<p>\u201cA <span>stablecoin<\/span> can be frozen or clawed back by its issuer. \u201d<\/p>\n<\/blockquote>\n<p>He emphasized that centralized entities must comply with court orders, which may override user interests. This creates a structural difference from decentralized <span>cryptocurrencies<\/span>, where control is not tied to a single authority capable of restricting access. He pointed to scenarios where regulatory actions, legal disputes, or geopolitical pressures could influence asset accessibility without user consent.<\/p>\n<p>The final point addressed upside potential and long-term value considerations between asset types. Schwartz stated: \u201cFor most <span>cryptocurrencies<\/span> most of the time, the upside is worth more than the downside.\u201d He added: \u201cSo if you don\u2019t need stability, you might prefer a <a href=\"http:\/\/www.bitcoin.com\/get-started\/a-quick-introduction-to-crypto\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">cryptocurrency<\/a> over a <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoin<\/a> for many applications.\u201d The Ripple CTO emeritus remarked:<\/p>\n<blockquote>\n<p>\u201cIf I had to lock up some money in an escrow for a year, I might well prefer <a href=\"https:\/\/www.binance.com\/en\/price\/xrp\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">XRP<\/a> or <a href=\"https:\/\/www.binance.com\/en\/price\/bitcoin\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">BTC<\/a> to USD because I know USD isn\u2019t going up.\u201d<\/p>\n<\/blockquote>\n<p>The comparison suggested that assets designed for growth may appeal more in longer-duration financial arrangements.<\/p>\n<\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/when-crypto-beats-stablecoins-ripples-schwartz-says-hed-pick-xrp-or-btc-over-usd-for-locked-funds\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways: Ripple\u2019s David Schwartz favors XRP and BTC over USD for escrow, citing stronger upside. He warns issuers can freeze funds, exposing users to centralized control risk. He says stablecoins tied to fiat limit global utility across borders and multi-currency systems. Ripple CTO Emeritus Breaks Down 3 [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":70665,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/70664"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=70664"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/70664\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/70665"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=70664"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=70664"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=70664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}