David Schwartz Reflects on Early Internet Memories & Ripple’s Web3 Vision

Ripple CTO David Schwartz draws parallels between his early internet experiences and the future of blockchain technology with the XRP Ledger. His reflections highlight how the evolution of the internet shapes the development of decentralized finance solutions. Schwartz’s comments reveal that the roadmap for the XRP Ledger focuses on institutional DeFi, featuring a native lending protocol and zero-knowledge proof integration to enhance privacy while maintaining transparency.