A debate has arisen among prominent figures in the cryptocurrency world regarding the tax implications of using XRP for cross-currency payments. The discussion centers around XRPL pathfinding and its potential effects on taxable events. Fredo Ayala, an accounting and finance consultant, initiated the conversation and stated that if an XRP settlement occurs within a single ledger without price fluctuations, taxable implications would apply only to the customer. However, if price shifts occur during the pathfinding process, both increases and decreases in taxable events may arise. Ripple's CTO, David Schwartz, emphasized that any profit or gain generated during the process should be considered taxable income for the party responsible.