Former Ripple CTO David Schwartz emphasizes the neutrality of XRP as a crucial factor in its adoption by countries wary of using currencies controlled by rivals for trade settlement. According to NS3.AI, XRP functions as a politically neutral settlement infrastructure, making it attractive to nations aiming to mitigate geopolitical risks linked to dominant national currencies such as the U.S. dollar. The integration of XRP by banks and countries is viewed as a strategic necessity rather than a speculative endeavor.

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