<ul><li>Ripple's CTO, David Schwartz, defends the need for higher XRP prices to facilitate efficient high-value payments.</li><li>XRP has seen a modest 92% increase since 2017, causing frustration among investors.</li><li>Schwartz acknowledges regulatory hurdles and industry challenges as obstacles to widespread adoption of digital currencies in traditional financial systems.</li><li>Despite slow adoption, Schwartz remains confident in XRP's utility and urges patience from investors.</li></ul>

XRP Payments Lag Despite 92% Price Surge, Ripple CTO Warns

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