BSC News reported that Schwartz called out XRP’s expanding role in numerous fields ahead of Swell 2026.

Schwartz expects this year’s event to be the largest Swell yet. That claim lines up with Ripple’s own plans for the conference, which is set to host over 1500 attendees in New York City.

David Schwartz Doubles Down On XRP Utility Ahead Of Swell

Ripple CTO Emeritus David Schwartz (@JoelKatz) highlighted $XRP's growing role across payments, tokenization, DeFi, interoperability, and AI ahead of Swell 2026.

Schwartz said the upcoming event is expected to be the… pic.twitter.com/ojrfKrU5z4

— BSCN (@BSCNews) June 18, 2026

Schwartz’s Comments on XRP

Posting on X right after the Swell announcement, Schwartz said, “I wouldn’t miss it.” He noted that this year’s event would be the biggest Swell to date.

Schwartz said the best part of these events is watching the new ways people use XRP and build on the XRP Ledger. He listed the use cases he wants to dig into this year, highlighting payments, tokenization, interoperability, DeFi, and AI. He left room for more, too, saying he’s open to whatever comes next in the space. He closed his post with an invitation, asking the XRP community to bring their best ideas and meet him at the event.

Schwartz’s comments carry weight inside Ripple. He has served as the company’s Chief Technology Officer for years and now holds the title of CTO Emeritus, a role that keeps him close to the technical side of XRP and the XRP Ledger. His public posts tend to focus on real use cases rather than price, and this one follows that same pattern.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Swell 2026 at a Glance

Swell 2026 runs Oct 27-29 in New York City. For the first time, the event combines Apex, another major Ripple conference, into a single program across multiple tracks. Ripple expects more than 1,500 attendees and more than 50 sessions, and has over 75 speakers across 3 stages.

The event covers the five core topics Schwartz mentioned in his post. Ripple CEO Brad Garlinghouse has also called this year’s Swell its biggest yet, tying the milestone to nearly a decade of growth since the conference launched in 2017. Swell 2026 will take place at The Shed in Hudson Yards, Manhattan. The event is shaping up as Ripple’s most substantial Swell to date.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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Crypto commentator Steph Is Crypto recently highlighted Schwartz’s remarks, describing them as significant. The pundit quoted Schwartz as saying that XRP had been “carefully and intentionally” designed so that Ripple itself could not control the asset.

According to the quote shared by Steph Is Crypto, Schwartz stated that the developers behind XRP made a conscious decision to ensure that the network would operate independently. He emphasized that Ripple was intentionally deprived of any ability to control XRP, underscoring a long-standing position that the asset functions separately from the company.

CRAZY:

David Schwartz says $XRP was intentionally built so Ripple cannot control it, even under U.S. court pressure.

“We carefully and intentionally designed XRP so that we could NOT control it.” pic.twitter.com/xSDeMzUfJ4

— STEPH IS CRYPTO (@Steph_iscrypto) June 8, 2026

Community Members Raise Questions About Ripple’s Holdings

The post also prompted responses from other users on X who revisited the debate over Ripple’s XRP holdings and their implications.

X user Pascal argued that Schwartz’s statement does not eliminate concerns about Ripple’s influence. He pointed out that Ripple still holds approximately 40 billion XRP in escrow and company-controlled wallets, which he described as a substantial amount of the total supply. According to Pascal, such holdings represent considerable influence regardless of the network’s design.

Pascal maintained that ownership concentration remains a source of centralization and suggested that the size of Ripple’s reserves should continue to be considered when evaluating the asset.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Users Respond to Centralization Concerns

Another X user, Jeneria Lewis, offered a different perspective in response to Pascal’s comments. Lewis argued that ownership of XRP does not grant additional authority over the network in the way governance systems might. He added that the large amount of XRP held by Ripple remains locked in escrow, which he said limits the use of those holdings to manipulate the market.

Pascal disagreed with that assessment and replied that the escrow mechanism does not make market manipulation impossible. He reiterated that Ripple’s control over a significant portion of the supply, including assets in escrow and company wallets, represents a level of centralization that differs from Bitcoin.

The exchange highlighted the continuing divide among market participants regarding XRP’s structure. While supporters point to the network’s design and the absence of direct control by Ripple, critics continue to argue that the company’s sizable holdings give it considerable influence over the ecosystem.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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In the post, Lord XRP declared that Schwartz had revealed the “blueprint” behind XRP’s role in the future of global payments, emphasizing the network’s speed, low transaction costs, scalability, and borderless functionality.

The tweet presented XRP as a technology designed to replace outdated financial infrastructure and pointed to Schwartz’s recent remarks as evidence of the XRP Ledger’s long-standing technological advantages. Alongside the post, Lord XRP attached a video in which Schwartz discussed the design decisions that shaped XRPL more than a decade ago.

FOLKS “DAVID SCHWARTZ JUST DROPPED THE BLUEPRINT #XRP IS THE FUTURE OF GLOBAL PAYMENTS..FAST, CHEAP, BORDERLESS AND BUILT FOR SCALE!

LEGACY SYSTEMS ARE DONE. XRPL IS TAKING OVER.

THIS ISN’T HOPE. THIS IS HAPPENING RIGHT NOW pic.twitter.com/Qf87AbzobE

— Lord XRP (@Bitforcoinz) June 7, 2026

Concerns About Traditional Blockchain Asset Exchanges

In the video, Schwartz explained that one of the major challenges facing asset exchanges on blockchain networks involves the ability of block producers to reorder transactions for their own benefit. According to him, this issue can create situations where those responsible for producing blocks gain unfair advantages over regular users.

Schwartz noted that if asset prices move unexpectedly, a block producer could potentially prioritize their own transactions, capture profitable opportunities, or prevent users from cancelling orders. He described how such possibilities create conflicts of interest that can negatively affect fairness and efficiency in a trading environment.

According to Schwartz, these concerns led XRP Ledger developers to recognize a unique opportunity. He stated that the technology behind XRPL was designed to avoid these specific problems, making it particularly suitable for supporting asset exchange directly on the ledger.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The Creation of Issued Assets and an Early Decentralized Exchange

Schwartz went on to explain that the XRPL team drew inspiration from work completed by Ryan Fugger in 2004. Building on those ideas, developers created issued assets, which Schwartz described as essentially the first stablecoins.

He also stated that the XRP Ledger introduced what is now commonly referred to as a decentralized exchange, or DEX. Rather than treating trading functionality as a separate application, the developers integrated exchange capabilities directly into the ledger itself.

Schwartz further explained that the team built what he called a multi-asset ledger, enabling multiple forms of value to exist and move across the same network. These features were implemented years before many of the concepts became common throughout the broader blockchain industry.

Lord XRP used Schwartz’s comments to support a broader argument about XRP’s long-term role in financial infrastructure. The tweet asserted that XRP is positioned to serve global payments through technology that is fast, inexpensive, and capable of handling large-scale demand.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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RippleX quoted Schwartz as saying that XRP’s future includes “tokenized securities, money market funds, stocks, repos, and loans,” while adding that enterprise adoption is already underway and that broader retail participation could follow.

The statement was accompanied by a short video titled “XRP in a Minute,” in which Schwartz discussed the expanding utility of the XRP Ledger and its growing role in tokenized finance. His comments focused on how the network has progressed from facilitating digital asset transfers to supporting a wider range of financial products represented on-chain.

According to Schwartz, the foundation of today’s blockchain industry was when Bitcoin introduced a public blockchain that enabled users to hold and transfer digital value. He explained that the XRP Ledger emerged shortly afterward and expanded on that concept by supporting not only a native digital asset but also issued assets representing a variety of financial instruments.

@Ripple CTO Emeritus @JoelKatz on where XRP is headed:

"Tokenized securities. Money market funds. Stocks. Repos. Loans."

Enterprise adoption is already here. Mass retail is next.

XRP in a Minute https://t.co/DljGy2Hp9S pic.twitter.com/7DpmNbMPAP

— RippleX (@RippleXDev) June 5, 2026

Focus on Tokenized Real-World Assets

A key theme of Schwartz’s remarks was the growing use of the XRP Ledger for tokenized real-world assets. He stated that enterprises are already utilizing the network to issue and manage tokenized assets, reflecting a broader trend across the financial industry toward blockchain-based representations of traditional financial products.

Schwartz noted that current activity on the XRP Ledger extends beyond digital currencies and includes assets such as stablecoins and other tokenized instruments. He suggested that this trend is expected to continue as more institutions explore blockchain infrastructure for financial services.

Looking ahead, he identified several categories that could become increasingly prominent on the XRP Ledger. These include tokenized securities, money market funds, and stocks. Schwartz also pointed to future capabilities involving tokenized repurchase agreements, commonly known as repos, as well as tokenized loans.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Enterprise Adoption Seen as a Path to Retail Growth

Schwartz emphasized the role of enterprises in driving the next stage of blockchain adoption. He argued that institutional participants will introduce products and services that can attract a much larger retail audience.

In the video, he stated that enterprises will provide the features necessary to encourage mass retail adoption. He connected this development to the broader growth of decentralized finance, suggesting that increased participation could help DeFi deliver financial services on a larger scale.

The message from RippleX presents a vision in which the XRP Ledger serves as infrastructure for a growing range of tokenized financial products. By highlighting securities, funds, stocks, repos, and loans, Schwartz pointed to a future where blockchain technology is used not only for digital asset transfers but also for representing and managing traditional financial instruments within a tokenized ecosystem.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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According to the post, XRP’s total supply remains permanently capped at 100 billion tokens. The message focused on one of XRP’s defining characteristics. It quickly gained attention from members of the XRP community who debated whether the fixed supply could eventually increase its value.

Steph Is Crypto wrote that there is “NO WAY to create more XRP because the code doesn’t exist,” adding that the supply is “100% fixed.” The statement reinforced a long-standing feature of XRP that differentiates it from assets with inflationary issuance models.

Unlike cryptocurrencies that continue adding new tokens through mining or staking rewards, XRP’s supply was created at launch. Supporters of XRP have often argued that this structure could become increasingly important if institutional or global adoption accelerates in the coming years.

David Schwartz: “NO WAY to create more $XRP because the code doesn’t exist.”

SUPPLY IS 100% FIXED. pic.twitter.com/uqUQXott3t

— STEPH IS CRYPTO (@Steph_iscrypto) May 16, 2026

Community Members Debate XRP’s Long-Term Potential

The tweet generated strong reactions from users who shared differing views on whether XRP’s fixed supply is beneficial to holders.

One user, identified as BrutallyHonest, criticized the original creation of the 100 billion XRP supply. The commenter argued that the large supply contributes to XRP’s lower unit price compared to assets with smaller circulating supplies.

Another user, Tye, presented a more optimistic outlook. The commenter suggested that increasing adoption and possible government-related use cases could eventually place significant pressure on XRP’s available supply. According to the post, the limited number of tokens could create stronger demand dynamics similar to what supporters have seen with Bitcoin over the years.

James Volz also responded by defending the existing supply structure. The user questioned why additional tokens would ever be necessary, given that 100 billion XRP already exists. The varying reactions reflected an ongoing debate within the XRP community regarding supply, valuation, and future utility.

Why XRP’s Fixed Supply Matters

The discussion surrounding XRP’s supply is important because scarcity often plays a major role in crypto market valuations. Bitcoin supporters have long pointed to its capped supply of 21 million coins as a major reason behind its long-term price growth. XRP supporters believe similar principles could eventually influence XRP if adoption increases substantially.

However, XRP differs from Bitcoin in one key area. While Bitcoin’s supply is much smaller, XRP was designed for high transaction volume and payment. Supporters argue that the larger supply allows XRP to support global-scale liquidity without the complexities of fractional ownership for institutions and payment providers.

The fixed supply model also means that no future inflation can dilute existing holders. In addition, a small amount of XRP is permanently destroyed during transactions as part of the network’s fee mechanism. Some XRP supporters believe this feature could gradually reduce the circulating supply, especially if transaction activity increases significantly.

XRP Holders Continue Watching Adoption Trends

The renewed attention on XRP’s supply comes at a time when investors remain focused on institutional adoption, regulatory developments, and utility-driven demand within the digital asset sector.

For XRP holders, Schwartz’s statement reinforces certainty around one major aspect of the asset: the total supply cannot be expanded. Many supporters believe that if demand continues growing while supply remains fixed, XRP’s market value could strengthen over the long term.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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The post featured an unusual image linked to the XRP Ledger, alongside a cryptic statement that prompted some users to speculate whether hidden price signals were embedded in it.

In the post shared by Crypto Dyl News, Schwartz wrote, “I’ll probably be forced to delete this, and people will say it’s AI,” before sharing an image that appeared to show an archaeological-style excavation scene centered around the XRP Ledger logo.

The image displayed a series of numbers vertically placed beside the XRP Ledger symbol, including 279, 214, 559, 456, 254, 559, 326, and 406.

Crypto Dyl News questioned whether those numbers could represent possible future XRP prices. The post specifically asked followers, “Could he be hinting at these prices for XRP!?!? What does this mean?” The commentary immediately fueled speculation among some members of the XRP community who attempted to interpret the meaning behind the image and the numerical sequence.

Former #Ripple CTO David Schwartz Posted This on X and Said “I’ll probably be forced to delete this and people will say it’s AI” $XRP ledger the numbers of 279, 214, 559, 456, 254, 559, 326, 406.

Could he be hinting at these prices for $XRP !?!? What does this mean? pic.twitter.com/y6U5o0zN3P

— Crypto Dyl News (@cryptodylnews) May 16, 2026

The Original Context Behind the Image

While some users treated the post as a possible hidden message, additional context later emerged showing that Schwartz’s post was actually a response to a parody tweet. An X user identified as Sean pointed out that the image originated from a joke post published by the parody account VanderMeer Capital.

The parody account claimed that Ripple did not create XRP and jokingly suggested that the XRP Ledger had been excavated in Egypt in 1929 and later decoded by David Schwartz in 1977. The parody post went even further by calling XRP “ancient technology” that was “possibly left here by an alien race.”

Schwartz responded to that parody post by sharing the edited image and adding his humorous caption about people claiming it was generated by artificial intelligence. Sean’s clarification led many users to view the post as satire rather than a serious statement about XRP or future price targets.

XRP Community Continues Searching for Clues

Despite the humorous context, the XRP community analyzed the numbers displayed in the image. Some users attempted to connect the figures to potential XRP valuations, while others argued that the numbers likely had no financial meaning at all.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

This type of speculation is not unusual in the digital asset sector, particularly when well-known industry figures publish vague or unconventional posts online. Because Schwartz remains one of the most recognized voices associated with XRP and the XRP Ledger, even lighthearted comments often receive significant attention from traders and investors.

The exchange also showed how parody, memes, and speculation frequently overlap in the cryptocurrency industry. A joke post from a parody account eventually became widespread discussion about XRP price possibilities after Schwartz acknowledged it publicly.

Although no evidence suggests that the numbers in the image represent actual XRP targets, the interaction once again demonstrated how closely the XRP community follows statements and social media activity connected to David Schwartz and the XRP Ledger ecosystem.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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His statement reveals something most XRP holders may not fully appreciate. The XRP Ledger was not just built to be decentralized. It was deliberately engineered so that Ripple itself could never exert control over it.

CRAZY: David Schwartz says $XRP was intentionally designed so NOT EVEN Ripple could control or shut it down — even under U.S. court pressure. pic.twitter.com/3W8tOtHvep

— STEPH IS CRYPTO (@Steph_iscrypto) May 13, 2026

Ripple Made Itself Powerless on Purpose

Schwartz was direct about why. Ripple operates as a U.S. company. It has investors and must comply with court orders. Those realities create vulnerabilities that could, under the right circumstances, compromise a network on which millions of people rely.

Schwartz wrote, “Ripple, for example, has to honor US court orders. It cannot say no.” That single constraint shaped the entire design philosophy of XRPL. If Ripple retained control over the ledger, a court order could theoretically compel it to censor transactions, freeze funds, or worse. By removing that control entirely, Ripple also removed that risk.

Schwartz stated, “We designed it so that we could not own or control it because that was the only way to ensure that nobody could own or control it.”

Trust as a Design Principle

The reasoning goes further than legal protection. Schwartz acknowledged that trust matters, but he drew a clear line between people choosing to trust Ripple and people being forced to trust it.

He wrote, “People trusting me is all upside for me. I want as much of that as possible. So does Ripple. But people having to trust me or Ripple or anyone else to use XRPL is all downside for us.”

This distinction is significant. A network where trust is optional is fundamentally different from one where trust is a requirement. Schwartz and the team chose the former.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

What This Means for the Network

Schwartz also addressed the practical logic of limiting power. If Ripple could censor transactions or double-spend, exercising that power would destroy all confidence in the network. While Ripple is committed to XRP, the incentive to misuse that power would be strong and would never outweigh the damage it would cause.

He concluded that the best way to say no is to be unable to do the thing being asked. Steph Is Crypto brought renewed attention to this reasoning at a time when regulatory scrutiny of crypto companies remains high. While many people misunderstand Ripple’s role, the post serves as a reminder that XRP’s architecture was built with exactly these pressures in mind.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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The video documents a talk he originally delivered at Stanford titled The Best Incentive is No Incentive. He also explains, in considerable detail, why the XRP Ledger was built the way it was.

If I had one wish, it would be that everyone in crypto would watch this video I made six years ago.https://t.co/7DXpGaddN5

— David 'JoelKatz' Schwartz (@JoelKatz) May 12, 2026

The Core Problem With Artificial Incentives

Schwartz opens by identifying what blockchains actually need: eventual consistency. Transactions must reach a point of finality. Without it, no system can be relied upon.

Most blockchains answer with incentives. Proof of work pays miners, and proof of stake compensates validators. Schwartz calls these participants “forced stakeholders.” They exist because the system’s design requires them, not because they have a genuine stake in its purpose. “Forced stakeholders extract value from the system and represent remaining friction,” he says.

The natural stakeholders are those who use the system for payments or value storage, and they fund these forced stakeholders. They want fees as low as possible. Forced stakeholders want fees as high as possible, and that tension never resolves.

The Cost Doesn’t Have to Be High

Schwartz argues that the underlying problem blockchains need to solve, ordering transactions to prevent double spends, does not require this level of expense. Everyone operating honestly is already aligned. “Natural stakeholders are aligned. They all want a system that works.”

The expensive apparatus of proof of work exists to solve a coordination problem that could be solved at far lower cost. “It’s expensive because it’s rewarded. It’s not rewarded because it’s expensive.”

What the XRP Ledger Does

This is where the argument connects directly to XRP. Schwartz describes decisions made in 2012, when the XRP Ledger was designed. The goal was to minimize the operational power any single participant could hold.

There are no block reorganizations, and no one selects which transactions enter a block. Valid transactions that meet fee requirements must be included.

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The ledger uses what Schwartz calls “stakeholder-chosen scarcity” instead of costly proof of work or proof of stake. The result is a system that offers low fees, fast confirmations, and genuine censorship resistance. By 2013, the XRP Ledger already had a built-in decentralized exchange, pathfinding across multiple assets, account management with key rotation, and more.

The Design Philosophy Behind XRP

The video is a structured argument about where blockchain design went wrong. Schwartz’s point is that high costs are not proof of security. “It doesn’t take millions of dollars and incentives” to resolve double-spends among honest participants. XRP was built on that premise.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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Previous comments, like his recent statement that suggests that major financial players don’t believe XRP can hit $10,000 in 10 years, have drawn even more criticism.

The former Ripple CTO has addressed this directly. His post caught the attention of Abs Nassif, host of the Good Evening Crypto podcast, who brought the statement to his audience for discussion.

FORMER RIPPLE CTO DAVID SCHWARTZ —

“It's kind of sad that I don't feel comfortable sharing my optimism about $XRP (and even, to some extent, cryptocurrencies generally) because it could be perceived as self-serving or, worse, deliberate manipulation.” – @JoelKatz

Is This Why… pic.twitter.com/4cDzOhIKeB

— Good Evening Crypto (@AbsGEC) May 10, 2026

The Reason for a Lack of Optimism

Schwartz was candid about his position. “It’s kind of sad that I don’t feel comfortable sharing my optimism about XRP,” he wrote, noting his discomfort extends to cryptocurrencies generally. His concern is that public optimism from someone in his position risks being read as self-serving or, at worst, deliberate manipulation.

The statement is significant. Schwartz helped build XRP, and his technical involvement with Ripple and the XRP Ledger places him in a category few others occupy. His optimism, by his own admission, exists. He is choosing not to express it freely, citing the weight his words carry.

The XRP Army Reacts

Nassif posted the statement, asking his audience if this could be Schwartz’s reason for his public reservation about XRP. Reactions varied across the community, with several responses expressing support for Schwartz. One commenter urged him to speak freely, signaling that his community stands behind him.

Some pushed back on the idea that his silence should concern anyone. One person argued that everyone’s financial situation is different, that opinions carry emotional weight for those deeply invested. He suggested that individuals should evaluate the information independently rather than look to Schwartz for direction.

One response took a more skeptical view. The commenter noted that Schwartz does not usually communicate strong optimism publicly. This suggests that on that basis alone, XRP is unlikely to reach new highs. Another pointed out that Schwartz is simply being responsible. His words carry influence, and he knows it.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The Weight of Influence

Schwartz occupies an unusual position. He holds genuine technical authority over a project that millions of people have invested in financially and emotionally. One commenter agreed with his decision to stay quiet because he might get in trouble.

Alongside Ripple, the SEC sued Ripple CEO Brad Garlinghouse and executive Chris Larsen. Schwartz may have landed in a similar position if he were a strong public advocate.

His choice to stay measured reflects an awareness of his influence. Whether that restraint serves the community or frustrates it depends entirely on individual opinions.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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Crypto pundit BankXRP (@BankXRP) recently shared a table showing how much Schwartz’s holdings would have been worth if he had held his tokens. In 2012, those 26 million XRP carried a total value of $130,000. A year later, the figure rose to $390,000. By 2014, it reached $520,000.

However, the price fell sharply afterward. In both 2015 and 2016, the average XRP price was $0.006, making the total value $156,000.

David Schwartz Held 26 Million XRP – Here’s What It Was Worth Each Year From $130K to $59 Million and Back.

David once held 26 million XRP.
He sold a big portion when it was around $0.10 (worth about $2.6 million at the time).
Look at how much those same 26 million XRP would… https://t.co/I8rzdJ0vsm pic.twitter.com/dIdglbCow7

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) May 5, 2026

The 2017 Surge Changed Everything

XRP’s average price hit $2.30 in 2017. At that level, Schwartz’s 26 million XRP carried a value of $59.8 million. That year marked the first time the position crossed into the tens of millions.

Many analysts are still hopeful that XRP can experience a similar surge to 2017. However, the market turned in 2018. The average price dropped to $0.34, pulling the value back down to $8.84 million. In 2019, it fell further to $0.19, with the total sitting at $4.94 million.

Schwartz Sold Near the Bottom

Schwartz sold a significant portion of his holdings when XRP traded around $0.10. At this price, his 26 million tokens would have been worth $2.6 million. The data make clear how early that exit came. In 2020, the average price recovered to $0.21, bringing the value back to $5.46 million. In 2021, XRP averaged $0.83, lifting the position to $21.58 million.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP’s Recovery

The 2022 average settled at $0.33. This makes the value $8.58 million. In 2023, the price climbed to $0.61, raising the total to $15.86 million. Then, 2024 delivered another significant move as XRP rose by 500% at the end of the year. The average price reached $2.08, pushing the 26 million XRP to a $54.08 million value, nearly matching the 2017 peak.

In 2025, the average price was $1.84, with a total value of $47.84 million. In 2026, the average is $1.40, representing $36.4 million so far. Schwartz bought XRP at $0.006.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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