David Schwartz, the Chief Technology Officer (CTO) at Ripple, responded to apprehensions raised by a prominent member of the XRP community regarding the use of memos on the XRP Ledger (XRPL). The concerns primarily revolve around the potential misuse of memos in transactions involving banks and government institutions. In a stimulating exchange on Twitter, Mr. The post Ripple CTO Addresses Concerns Over XRPL Memos and Potential Misuse by Banks and Governments appeared first on Times Tabloid .