Ripple CTO David Schwartz demonstrated his XRP loyalty through a casual café visit, fueling speculation about the imminent release of the next major upgrade for the XRP Ledger. While Schwartz appeared in XRP-themed gear and boasted a Gemini-issued XRP rewards credit card during this encounter, he also confirmed that the upgrade is undergoing rigorous testing under near-production conditions, prompting optimism amongst community members. The timing coincides with the surge of interest in Gemini’s new XRP rewards credit card, which recently climbed to the top 20 positions on the U.S. App Store charts, challenging Coinbase for dominance in the competitive exchange landscape.