On January 31, 2026, a significant discussion emerged regarding Ripple's business model and the regulatory challenges it faces, particularly in contrast to Stellar's nonprofit approach. According to the official information, the dialogue highlighted the implications of Ripple's for-profit structure in the evolving landscape of cryptocurrency regulation.
Concerns Raised by JT Marlin
During the conversation, JT Marlin raised concerns about Ripple's historical conflicts with payment giants like PayPal, questioning whether these issues were a direct result of its for-profit nature.
Response from Ripple's Co-Founder
David Schwartz, Ripple's co-founder, responded by reflecting on the company's early strategic discussions, where he firmly opposed the idea of adopting a nonprofit model. He argued that such a structure could be misleading and potentially violate legal standards.
Regulatory Scrutiny and Business Objectives
Schwartz emphasized that these internal debates took place prior to the surge in regulatory scrutiny surrounding cryptocurrency classifications and initial coin offerings. His comments shed light on the complexities Ripple faces as it navigates a challenging regulatory environment while striving to maintain its business objectives.
On January 31, 2026, while Ripple faced regulatory challenges, BlackRock and Partners Group launched a new investment product aimed at high-net-worth investors. This initiative consolidates various private asset classes into a single managed account, offering streamlined access to private markets. For more details, see read more.
