According to U.Today, the creation of the XRP Ledger, XRP, and Ripple involved three key figures: David Schwartz, Jed McCaleb, and Arthur Britto. While Schwartz and McCaleb are well-known in the media, Britto remains a mysterious figure, rarely appearing in the public eye. Recently, Britto's name resurfaced in a social media discussion when David Schwartz, Ripple's current Chief Technology Officer, responded to a question that had been unanswered for over three years. When asked if he was Britto, Schwartz clarified that he was not, emphasizing that Britto is a distinct individual who values his privacy. Schwartz humorously added that he is willing to take credit for Britto's ideas, as Britto does not mind.

Schwartz's comments shed light on the relationship between the Ripple founders and the challenges they faced. Jed McCaleb eventually left Ripple to establish Stellar (XLM), but the collaboration among the trio significantly influenced the digital asset landscape. Schwartz hinted at the difficulties Ripple encountered, particularly the tensions following McCaleb's departure. He cited issues such as corporate governance and differing priorities as contributing factors to the friction, highlighting the broader challenges in the cryptocurrency industry, where personal gain often conflicts with genuine innovation.

Arthur Britto, in contrast, has remained dedicated to his work, avoiding controversy and public attention. Schwartz acknowledged Britto's vital contributions to the XRP Ledger's development, noting that Britto's preference for privacy continues to shape his role in the project's history. Despite his low profile, Britto's influence on the XRP Ledger and Ripple remains significant, underscoring the importance of his work in the evolution of digital currencies.