A recent post on X by crypto commentator Stellar Rippler has brought renewed attention to a recurring question surrounding XRP adoption by global financial institutions. The post, including a screenshot of a reply from David Schwartz, presents a direct response to skepticism about whether banks would adopt XRP given Ripple’s significant holdings of the digital asset . David Schwartz Just Shut Down The Most Asked XRP FUD in One Savage Line!! Why would global banks adopt XRP & pump the price when Ripple holds ~34B tokens? (Making Ripple insanely valuable?) David Schwartz just nailed it: “Yeah, this makes business sense for us… but we… pic.twitter.com/DsIZokGv1r — Stellar Rippler (@Stellar_Rippler) April 2, 2026 Core Question Around Bank Incentives In the X post, Stellar Rippler highlights a concern frequently raised by critics. The argument suggests that banks may hesitate to use XRP if doing so significantly increases the value of Ripple’s holdings, estimated at around 34 billion tokens. According to this line of thinking, institutions may avoid contributing to the financial strength of a single company, even if the technology itself offers efficiency gains. The attached image shows a user questioning why banks would adopt XRP under such conditions. The concern extends further, suggesting that widespread adoption could elevate Ripple into one of the most valuable financial entities globally. The user also argues that banks, after conducting extensive due diligence, would likely weigh these implications before integrating a cryptocurrency into their operations. Schwartz’s Direct Rebuttal In response, David Schwartz offered a concise statement that Stellar Rippler emphasized in the post. Schwartz wrote: “Yeah, this makes business sense for us to do and would make us money, but we don’t want to do it because it also makes this other company money.” Stellar Rippler interprets this reply as a clear dismissal of the concern. The post asserts that financial institutions are unlikely to reject a tool that improves efficiency and profitability simply because another company benefits. According to this view, banks prioritize operational advantages such as reduced costs and faster transaction times over competitive considerations tied to third-party gains. The argument presented in the X post maintains that if XRP provides measurable benefits in cross-border payments , institutions will adopt it regardless of Ripple’s position. It emphasizes that banks routinely engage with external service providers and technology partners, even when those partnerships generate profits for both sides. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Broader Claims and Regulatory Context Beyond Schwartz’s response, Stellar Rippler includes personal commentary addressing the historical reluctance of banks to embrace XRP. The post attributes this hesitation to regulatory pressure during the administration of Joe Biden, alleging that government actions constrained innovation within the cryptocurrency sector. The commentator further claims that regulatory agencies, particularly the U.S. Securities and Exchange Commission, targeted Ripple due to its perceived impact on the financial system. These assertions reflect a broader narrative within parts of the crypto community regarding regulatory influence on adoption trends. The post also references the proposed Clarity Act, suggesting that clearer regulatory guidelines could encourage institutional participation. According to Stellar Rippler, such legislation would remove uncertainty and allow banks to evaluate XRP purely on its utility. Overall, the X post centers on the idea that economic incentives remain the primary driver for institutional decision-making. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post David Schwartz Shuts Down The Most Asked XRP FUD in One Savage Line appeared first on Times Tabloid .
