Since 2013, Ripple-linked XRP has been surrounded by recurring speculation and large-scale theories claiming it could become a global reserve asset and connect the world’s banking system, with some even alleging links to a secret U.S. government strategy.
These rumors have intensified amid growing anticipation of the final vote on the long-coveted CLARITY Act and Ripple’s recent move to secure a US national bank charter, further fueling speculation around XRP’s potential role in future regulatory and financial frameworks.
However, Ripple CTO Emeritus David Schwartz has pushed back against these conspiracy theories, dismissing claims of secret government involvement or hidden massive agendas tied to the cross-border payments token.
Inside Ripple’s NDAs Strategy
Much to the chagrin of some speculative XRP holders, David Schwartz clarified on X that there are no secret agreements with the U.S. government or hidden central bank plans involving XRP, dismissing such narratives as unfounded conspiracy theories.
Schwartz acknowledged that there are many secrets involved, noting that a large number of Ripple’s partners require non-disclosure agreements (NDAs) to keep their business arrangements private.
 
“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 going to be completely false, and if you’re investing time, money, or emotion based on them, you’re fooling yourself,” the ex-Ripple CTO explained.
Notably, Ripple’s partnerships with banking institutions such as Deutsche Bank and Société Générale are publicly disclosed and transparent, though these relationships primarily leverage RippleNet for messaging and settlement using fiat currencies or stablecoins like RLUSD, rather than XRP.
David Schwartz also dismissed claims of “secret contracts” involving pre-allocated XRP from Ripple’s escrow, emphasizing that the escrow system is fully transparent and can be tracked on-chain by anyone.
Rather than amplifying hype, the company seems to be positioning itself as a transparent technology provider. In the 2026 market—where institutions increasingly favor stability and predictability over speculative volatility—this strategy signals an effort to grow XRP’s image and distance it from perceptions tied to conspiracy-driven or meme-like narratives.
Institutional Confidence In XRP Appears To Be Strengthening
In related news, institutional demand for XRP-linked investment products continues to strengthen.
Data from SoSoValue shows that U.S.-listed spot XRP exchange-traded funds recorded $3.9 million in net inflows on Thursday, extending their streak to nine consecutive days of positive flows, totaling $73.8 million. This sustained momentum has lifted cumulative inflows to nearly $1.28 billion, with assets under management now reaching approximately $1.08 billion.
“Institutional demand is rising fast as big money continues flowing into XRP exposure,” analyst Ledger Man wrote on X, adding: “This could be a major signal that confidence in XRP is growing stronger than ever and the perfect time to grow your #XRP holdings.”
XRP is up 1.4% in the last 24 hours and even over the last week, recently changing hands at $1.44, per CoinGecko.
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