A proposal to expand the XRP Ledger's transaction Memo field from 1 KB to about 1.3 MB has set off a technical dispute over whether the network should support on-chain file storage. Backers of the idea, including Vet from the XRPL Foundation, argue that users who are willing to pay for storage should be free to embed content directly in transactions, including images, PDFs, music tracks, short video clips, software source code and compressed archives. Matt Hamilton, a former developer relations director at Ripple, opposes the plan, calling it "a really bad idea" because XRPL is built as a distributed payment ledger rather than a file-sharing system. He argues that forcing every validator and node to retain much larger transaction data forever would sharply increase storage and hardware demands, potentially pricing out independent operators and undermining decentralization. Hamilton points instead to specialized storage networks such as Filecoin, suggesting a hybrid model in which large files are stored off-ledger and linked back to XRPL.