Ripple CTO Explains How XRPL and ILP Will Facilitate Seamless Payments

• Ripple’s solutions will enable trust relationships.
• The use of cryptocurrency today is a tiny fraction of what it could be.
• ILP enables seamless transfer of value across payment networks.

Ripple’s CTO, David Schwartz, has explained how parties can create trust relationships on XRPL using the ledger’s elements, including XRP and ILP. In a recent thread on X, the Ripple executive noted why he expects institutions to explore the platform’s resources for their benefit.

I really hope institutions do form trust relationships and leverage them. This was the original vision for trust lines (going back to 2004 and Ryan Fugger's work), the core concept behind ILP and I still think it's a huge win for everyone.

For those use cases where this is…

— David 'JoelKatz' Schwartz (@JoelKatz) August 14, 2025

According to Schwartz, what Ripple has provided through the XRPL was the original vision for trust lines, which dates back to 2004 and Ryan Fugger’s work. He considers it the core concept behind ILP and sees it as a huge win for everyone.

There is more to crypto than what is seen today

Despite acknowledging the potential of trust solutions and their curre…

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