Ripple's David Schwartz says higher XRP prices can lower payment costs

Ripple Chief Technology Officer Emeritus David Schwartz said on March 30, 2026 that, all else equal, a higher XRP price can make XRP cheaper to use for payments. He argued that the dollar value being transferred (such as $1 million) stays the same, while a higher unit price reduces the number of tokens needed and can lessen market impact when liquidity is deep.