$XRP Holder Calls Out #Ripple CEO and Former CTO Over $RLUSD Focus, Demands $15–$20 XRP. An XRP community member known as Fiduciary Ledger ’17 has criticized Ripple CEO Brad Garlinghouse and former CTO David Schwartz for prioritizing RLUSD and other business products over XRP holders. He argued that investors supported Ripple throughout its five-year legal battle with the SEC, despite years of uncertainty, but have yet to benefit from the company’s growth. He also said XRP should reach $15–$20 or higher, arguing that loyal holders deserve better returns. Meanwhile, Garlinghouse has called XRP a future “institutional gold standard for crypto rails,” while noting that Ripple will also use RLUSD and fiat currencies when they better serve customers.