Ripple CTO Emeritus David Schwartz hinted at a major breakthrough in XRP Ledger-based decentralized finance (DeFi), predicting a retail-friendly environment by 2027 where institutions and retail users will converge on the DEX. He noted that tokenization is gaining momentum and regulatory hurdles are diminishing, adding that Ripple's acquisitions and customer onboarding, alongside XRPL's compliance and privacy amendments, are building significant tailwinds.