Schwartz Says Filtering Could Hide XRP Scam Posts From Potential Warners

Ripple CTO Emeritus David Schwartz argued that filtering could hide XRP scam posts from people who might warn their followers, raising a concern about how content moderation affects scam warnings.

In an Oct. 24 reply, Schwartz said he prefers to let most content through so he can monitor false claims. He acknowledged that this preference may not be typical. His argument did not establish whether lighter filtering helps people spot scams or spread warnings.

U.S. consumers reported $2.1 billion in losses to scams that began on social media in 2025. In 2025, almost three in 10 people reporting a scam loss said social media was where the scam began. Investment scams that began on those platforms accounted for $1.1 billion in reported losses.

The figures cover reported losses, not every scam attempt, and do not measure whether automated filters prevent fraud. Schwartz’s comments reflect his view about keeping suspicious posts visible; they do not show that less filtering reduces scam losses.