A technical dispute inside the $XRP neighborhood got here to public consideration this week, when Ripple CTO Emeritus David “JoelKatz” Schwartz responded to criticism concerning Xaman Pockets charges and a contentious nested multisignature configuration on the $XRP Ledger.
The dispute started with social media posts claiming that utilizing Xaman might be dearer than transacting on Ethereum for small quantities, and with accusations that customers had been charged unexpectedly excessive service charges on XRPL’s native decentralized alternate. A extensively shared screenshot alleged a service cost of 659 $XRP, far above the community’s base price of 0.000012 $XRP, and advised that this discrepancy was the results of hidden price routing.
Schwartz distances himself from third-party pockets points
Schwartz joined the dialog after being tagged straight, replying, “What did I do?” — a quick response indicating his distance from the operational selections of third-party pockets suppliers, whereas acknowledging the depth of neighborhood concern.
The talk extends past charges. Critics pointed to Xaman’s use of ‘nested’ multisignature setups beneath XLS-103d, arguing that such configurations might lock customers out of their accounts or introduce hidden approval paths.
What did I do?
— David ‘JoelKatz’ Schwartz (@JoelKatz) February 18, 2026
In response, Xaman and XRPL developer Wietse Wind offered an in depth rationalization of a real-world case wherein a consumer had unintentionally created an unresolvable nested multisig construction, thereby freezing entry to their funds. Wind said that the difficulty was not a backdoor, however quite a configuration permitted by the ledger that required a proper protocol modification to resolve.
An modification proposal has since been submitted to the XRPL codebase to permit nested signatures in a recoverable type, pending validator evaluation and voting. This course of highlights a basic distinction: XRPL protocol guidelines are enforced by validators, not by Ripple or pockets distributors, and adjustments require community consensus.
