TLDR
- David Schwartz rejected claims of a secret Ripple government plan.
- He said Ripple partners often require NDAs for business privacy.
- Schwartz said ordinary agreements are often misread by XRP users.
- He warned investors against relying on hidden-plan claims.
- Ripple remains active in crypto policy and stablecoin expansion.
Ripple CTO David Schwartz has addressed fresh debate over Ripple, XRP, and partner NDAs. He said private agreements do not prove that major government moves are ahead.
The comments came after XRP users questioned whether Ripple’s private partner deals hide a larger plan. Schwartz rejected that view and said such claims often go too far.
Schwartz Rejects Secret Plan Claims
Schwartz said Ripple has private business matters, but he denied a hidden government plan. He said many Ripple partners request NDAs to protect their own business details.
“There is no conspiracy. There is no secret plan,” Schwartz said, according to the report. He added that nothing major with the government and XRP exists, as far as he knows.
He also warned users who base money decisions on secret-plan claims. Schwartz said people may fool themselves when they invest based on such claims.
No, I'm saying there are lots of secrets. Many of Ripple's partners insist on NDAs to keep their business secret. I'm saying the conspiracy theories that constantly claim something big is about to happen or that the government is going to do something massive are almost always…
— David 'JoelKatz' Schwartz (@JoelKatz) April 23, 2026
Partner NDAs Fuel XRP Debate
Schwartz said Ripple does have partnerships and agreements with institutions. However, he described them as normal business deals with standard disclosures.
He said rumors from supposed inside sources are often false.” About 99% of what you see is what there is,” Schwartz said.
The debate also touched on Schwartz’s role at Ripple. His X profile identifies him as David “JoelKatz” Schwartz, and Ripple’s technology chief is linked to public XRP discussions.
Ripple Remains Active In Crypto Policy
The discussion comes as Ripple continues to take part in wider crypto policy work. Reports say Ripple and Coinbase were among firms tied to a letter urging action on the CLARITY Act.
The letter called for a clear market structure framework for digital assets in the United States. It said delays could push investment and jobs overseas.
Ripple has also been expanding its stablecoin efforts. Reports say RLUSD has moved toward broader chain support and exchange access.
Still, Schwartz’s message was direct. Ripple partner NDAs may protect business talks, but they do not prove a secret government XRP plan.
