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    XRP Origins Debate Reignites as Ripple’s EX CTO Says Idea Got here Earlier than Bitcoin
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    XRP Origins Debate Reignites as Ripple’s EX CTO Says Idea Got here Earlier than Bitcoin

    By Crypto EditorJune 27, 2026No Comments3 Mins Read
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    Ripple CTO Emeritus David Schwartz has settled a renewed debate over XRP (XRP) origins, confirming {that a} precursor fee community idea predated Bitcoin (BTC) by 5 years, however that XRP itself didn’t.

    Schwartz responded on X after a social put up claimed XRP predated Bitcoin by a long time. The put up known as XRP the oldest digital asset, a label Schwartz addressed instantly, drawing a pointy line between an early idea and the coin Ripple manages immediately.

    What Ryan Fugger Designed in 2004

    Ryan Fugger conceptualized a decentralized fee and settlement community round 2004. That positioned his idea roughly 5 years earlier than Satoshi Nakamoto revealed the Bitcoin white paper.

    Schwartz confirmed the timeline on X however flagged a vital omission. Fugger’s design included no decentralized property. His system, later generally known as RipplePay, functioned as a trust-based credit score community.

    Customers routed worth via pre-existing belief relationships fairly than a shared cryptographic ledger. There was no native token and no open asset that may very well be traded independently.

    Schwartz addressed the excellence on X.

    Ryan Fugger conceptualized a decentralized fee/settlement community (however with out decentralized property) round 2004, effectively earlier than bitcoin.

    — David ‘JoelKatz’ Schwartz (@JoelKatz) June 26, 2026

    Nevertheless, that separation issues. Bitcoin launched open bearer property secured by proof of labor. The XRP Ledger introduced its personal mannequin for decentralized worth switch, but it surely arrived after Bitcoin, not earlier than.

    XRP Launched Three Years After Bitcoin

    The XRP Ledger went dwell in 2012, three years after Bitcoin’s genesis block was mined in January 2009. Jed McCaleb, Arthur Britto, and Schwartz constructed the protocol collectively earlier than Ripple assumed stewardship.

    That timeline instantly dismantles the 1988 declare. Fugger’s idea might predate Bitcoin, however an idea is just not a coin. The XRP Ledger and the XRP token each hint their launch to 2012.

    The excellence carries weight past historic accuracy. Ripple’s CEO has additionally criticized Bitcoin’s company technique, reflecting broader tensions between the 2 communities.

    The talk displays a sample seen throughout the crypto trade. Origin tales usually conflate an thought with its execution. Earlier this yr, the Bitcoin CIA creation declare drew broad pushback via the same dynamic.

    XRP Holds Close to $1 as Ripple Expands Into Europe

    The token not too long ago examined the $1 psychological degree amid a pointy slide from earlier highs. Some traders nonetheless deal with the coin as a long-term inflation hedge, although analysts have discovered the mathematics troublesome to help at present costs.

    XRP Origins Debate Reignites as Ripple’s EX CTO Says Idea Got here Earlier than Bitcoin
    XRP Value Efficiency. Supply: BeInCrypto Markets

    Schwartz has stayed lively locally past the origins query. He not too long ago mentioned investing versus playing in a put up that generated its personal spherical of debate amongst holders.

    How far again XRP’s roots run could also be much less related than the place Ripple is heading. The corporate not too long ago obtained European MiCA approval by way of a Luxembourg license, broadening its regulatory footprint throughout the continent.

    The put up XRP Origins Debate Reignites as Ripple’s EX CTO Says Idea Got here Earlier than Bitcoin appeared first on BeInCrypto.



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