David Schwartz, Ripple’s CTO Emeritus and the XRP Ledger’s chief architect, says the XRP Ledger is not intended to compete directly with Ethereum or Solana across every blockchain use case. Instead, it focuses on financial infrastructure, including payments, tokenization, lending and stablecoins. Schwartz also discussed RLUSD’s multi-chain future, potential blockchain settlement for AI-agent payments and Ripple’s plans for 2027.