When Crypto Beats Stablecoins: Ripple’s Schwartz Says He’d Pick XRP or BTC Over USD for Locked Funds

Apr 5, 2026

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Ripple’s David Schwartz favors XRP and BTC over USD for escrow, citing stronger upside. He warns issuers can freeze funds, exposing users to centralized control risk. He says stablecoins tied to fiat limit global utility across borders and multi-currency systems. Ripple CTO Emeritus Breaks Down 3 Key Crypto Advantages

The comparison suggested that assets designed for growth may appeal more in longer-duration financial arrangements.

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