<ul><li>Ripple's CTO, David Schwartz, addressed criticisms about the company and the XRP Ledger.</li><li>Schwartz highlighted the distinctive features of the XRPL, including stablecoins, NFTs, and DEX without smart contract risks.</li><li>He expressed surprise at the slow adoption of payments using cryptocurrencies and blockchains, citing regulatory uncertainty and user experience challenges as hurdles.</li><li>Schwartz defended Ripple's transparent strategy and success in payments, while criticisms were raised regarding XRP's success and market manipulation claims.</li></ul>

Ripple CTO Reveals Why The Payment Business Hasn’t Caught On In A ‘Big Way’

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