Ripple Chief Technology Officer David Schwartz opposes artificially subsidizing XRP costs to promote institutional adoption, comparing such incentive measures to the early loss-making strategies of companies like Uber. He warned that paid promotion would create a fragile business model and emphasized that Ripple is focused on eliminating friction in cross-border payments, letting the technology's utility speak for itself. Despite this, Ripple has previously used economic incentive measures, such as its partnership with MoneyGram.