Ripple Technology Director David Schwartz's recent remarks have sparked a lot of reflection. He candidly pointed out that the low price of XRP is not necessarily a good thing and may even become a stumbling block for ecosystem development.

This view sounds a bit counterintuitive. Usually, people think the cheaper the coin, the better it is to use, but David's logic is actually very clear—if the price of XRP is too low, trading partners will find it difficult to maintain sufficient liquidity. To put it simply, it's like no one in the market is willing to accept small change; market participants will leave because the handling costs are too high. When liquidity dries up, transaction fees will soar, and transaction confirmation times may extend beyond 3 seconds, which in turn weakens XRP's core competitiveness as a fast payment tool.

From Ripple's recent official actions, they are indeed actively promoting more cross-border payment collaborations. The underlying logic seems to be creating infrastructure and application scenarios for stable price growth. However, there are some uncertainties involved.

First, the regulatory stance of the US SEC remains a suspense. If regulatory pressure further intensifies, the downside risk to XRP's price cannot be ignored. Second, even if there are no technical issues, if large institutional investors and payment providers remain cautious, liquidity problems may persist. Lastly, the increasing competition from public chains like SOL and AVAX in the payment and cross-chain fields also adds pressure.

Ultimately, the outlook for XRP depends on whether three factors can develop in harmony: reasonable price positioning, sufficient liquidity support, and ongoing ecosystem application deployment. The balance between technical rationality and market reality is the key to determining XRP's future.