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By
Alex Dovbnya
Mon, 19/10/2026 – 5:30
Ripple’s David Schwartz has hinted at a major breakthrough in XRP Ledger-based decentralized finance.
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David Schwartz, the CTO Emeritus of Ripple, who helped develop the XRP Ledger (XRPL) from scratch, hasteasedsome big changes coming to the decentralized finance (DeFi) space, as it appears that a retail-friendly breakthrough is just around the corner.
https://x.com/Vet_X0/status/2111904368895410218
During his recent interview, Schwartz expressed his optimism regarding DeFi’s future in 2027.
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But generally, in the industry, tokenization is really
“But generally, in the industry, tokenization is really kicking off, and the regulatory hurdles are really starting to fall,” noted Schwartz.
The Ripple veteran then also talked about how a whole new market can be formed around blockchain finance applications.
“What does the, like, blockchain user, like, look like? What is the product that…” Schwartz asked, noting that the potential formation of the market was akin to the enormous user base that app developers have for Android or iOS.
“That’s the world that’s gonna be super exciting. And we’re really close,” he emphasized.
Schwartz appeared to imply that the next chapter
Schwartz appeared to imply that the next chapter in blockchain adoption could potentially bring decentralized finance products to the general masses and not just crypto enthusiasts.
However, he refrained from mentioning any product or announcing any definitive date.
AI agents could reshape DeFi
During the conversation, Schwartz also touched upon his idea of usingAI agentsfor handling finance-related work for the general masses.
“And so you can imagine the world where, like, everyone’s money is managed by agents. Which solves all those problems for them,” he said.
The Ripple veteran then went on to wonder
The Ripple veteran then went on to wonder how DeFi would adapt to this change.
“What are you going to want from DeFi in that world? I think that’s the problem that we’re coming up with,” noted Schwartz.
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