XRP Price Reacts: Ripple CTO David Schwartz Responds to Caitlin Long

Ripple XRP news today is buzzing again, and this time it’s a heated debate between Ripple CTO David Schwartz vs Caitlin Long. As the layer 1 blockchain strengthens its financial position with over $1.5 billion in cash and 4.5 billion on-chain, critics like Custodia Bank CEO Caitlin Long question the relevance and structure.

Her recent remarks shook the community, sparking an intense conversation that may influence XRP price prediction 2025 and institutional trust.

Caitlin Long Ripple Attack: XRP Will Never Earn Institutional Trust

In a recent podcast appearance, she sharply criticized its Ledger (XRPL) and tokenomics. She argued that architecture is too centralized, claiming banks and regulators are unlikely to ever place their trust in it.

Her boldest claim, confirmed in Coin Bureau latest X post ; “If it were going to take over, it would have already.”

She also compared the fundraising strategy to an ICO and questioned its long-term viability. She even hinted that if the U.S. Treasury tokenizes T-Bills, Ethereum would be the platform of choice, not this altcoin.

This caused waves within the today's crypto news, with many viewing her words as an attempt to undermine blockchain’s current momentum.

David Schwartz Responds: ‘Let’s Talk Facts, Not Fear’

The David Schwartz vs Caitlin Long debate is drawing support from the wider  community. Instead of firing back emotionally, he invited Caitlin Long to a fact-based discussion. His calm, transparent approach helped bring clarity to the ongoing debate.

Source: CryptoBasics X Account

Schwartz highlighted that the chain never held an ICO and that the entire 100 billion of supply was allocated to its genesis block, and this might have affected assets price.

At the heart of this controversy is whether XRP Ledger is truly centralized—or just misunderstood. While critics claim layer 1 controls the ledger, token supporters argue otherwise. Over 1,000 independent nodes operate the network, many outside of its control.

Unlike Ethereum, which did conduct a token sale, our tokens distribution was more transparent. He also pointed to its active decentralized node network, challenging Long’s “centralized” claim.

Can Ripple News Today Fuel XRP Price USD Target $4?

While this debate rages on, something even bigger is quietly unfolding—Blockchain’s massive $6 billion treasury. With $1.5B in cash and billions worth of tokens at its disposal, it is better positioned than ever to expand, acquire, and build.

• The latest XRP price analysis today shows the asset is trading around $3.07, reflecting an increase of around 3% in the past 24 hours.

• Technicals suggest strong RSI readings (54.13) and a shrinking bearish MACD histogram.

As per my analysis being a crypto observer, the pattern clearly suggests  bulls are stepping in near the $2.95–$3.00 support zone. If momentum continues, it could test $3.25–$3.35, with a shot at $4.00 in the coming weeks if volume picks up and sentiment turns fully bullish.

Note: The David Schwartz vs Caitlin Long debate has drawn fresh attention to XRP next target and prediction , rather than damage.

Conclusion: Can Truth and Transparency Really Save The Price?

The crypto world thrives on innovation, but it also suffers from misunderstanding. The ongoing battle of narratives between Ripple CTO David Schwartz vs Caitlin Long is a clear example.

While critics focus on the past, the token seems focused on building the future. If the latest Ripple news continues to deliver the positivity and the token maintains its recovery, the community might just see the XRP price USD target of $4 become reality in just a few days. Until then, facts—not fear—should lead the conversation.