Schwartz stated that Ripple could “sell the right to receive the tokens released from escrow” or even sell the accounts that the escrows complete into. He added that “the XRP still can’t circulate until their release dates.”

The statement was shared by crypto commentator John Squire (@TheCryptoSquire). It is notable because it comes directly from one of Ripple’s most senior figures, lending credibility to a funding model that has circulated largely as speculation.

RIPPLE PLAYBOOK

David Schwartz hints at selling rights to locked XRP before release.

That means Ripple gets capital now while institutions secure future supply off market.

Not selling pressure, just strategic positioning.

UTILITY ALWAYS WINS. pic.twitter.com/p1OFP4e8fy

— John Squire (@TheCryptoSquire) April 10, 2026

How the Mechanism Works

The structure is straightforward. Ripple holds a significant portion of XRP in escrow, with tokens released on a scheduled basis. Rather than waiting for those release dates to monetize the holdings, Ripple can sell the rights to receive those future tokens now.

Buyers secure a guaranteed future supply of XRP at agreed terms. Ripple receives capital immediately. The tokens themselves do not enter circulation until the escrow matures, so there is no direct selling pressure on the open market.

This is a meaningful distinction. Critics of Ripple’s escrow holdings have long pointed to the scheduled releases as a source of potential downward price pressure. This mechanism separates capital generation from token circulation entirely.

The Amazon Rumor and What It Represents

An unconfirmed report of a 5 billion XRP deal between Ripple and Amazon involving escrowed tokens has circulated for years. Neither Ripple nor Amazon has confirmed this. What Schwartz’s statement does establish is that deals of this nature are structurally possible.

If deals like this exist or materialize, the effect on institutional adoption could be significant. An institution that secures rights to a future XRP supply has a direct financial incentive to integrate XRP into its operations before those tokens arrive. Adoption becomes part of the transaction itself.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Utility as the Foundation for Institutional Interest

Squire highlighted Schwartz’s comments as evidence of strategic positioning rather than selling pressure. His point is that XRP’s utility as a payment asset is what makes these arrangements attractive to institutions in the first place.

Ripple has not made any formal announcements about specific escrow deals. Whether confirmed deals emerge publicly or not, the mechanism is real. Institutional interest in future XRP supply, combined with Ripple’s ability to monetize that interest without immediate market impact, positions the company to expand its operations on its own terms.

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, including a screenshot of a reply from David Schwartz, presents a direct response to skepticism about whether banks would adopt XRP given Ripple’s significant holdings of the digital asset.

David Schwartz Just Shut Down The Most Asked XRP FUD in One Savage Line!!

Why would global banks adopt XRP & pump the price when Ripple holds ~34B tokens? (Making Ripple insanely valuable?)

David Schwartz just nailed it:
“Yeah, this makes business sense for us… but we… pic.twitter.com/DsIZokGv1r

— Stellar Rippler (@Stellar_Rippler) April 2, 2026

Core Question Around Bank Incentives

In the X post, Stellar Rippler highlights a concern frequently raised by critics. The argument suggests that banks may hesitate to use XRP if doing so significantly increases the value of Ripple’s holdings, estimated at around 34 billion tokens.

According to this line of thinking, institutions may avoid contributing to the financial strength of a single company, even if the technology itself offers efficiency gains.

The attached image shows a user questioning why banks would adopt XRP under such conditions. The concern extends further, suggesting that widespread adoption could elevate Ripple into one of the most valuable financial entities globally.

The user also argues that banks, after conducting extensive due diligence, would likely weigh these implications before integrating a cryptocurrency into their operations.

Schwartz’s Direct Rebuttal

In response, David Schwartz offered a concise statement that Stellar Rippler emphasized in the post. Schwartz wrote: “Yeah, this makes business sense for us to do and would make us money, but we don’t want to do it because it also makes this other company money.”

Stellar Rippler interprets this reply as a clear dismissal of the concern. The post asserts that financial institutions are unlikely to reject a tool that improves efficiency and profitability simply because another company benefits. According to this view, banks prioritize operational advantages such as reduced costs and faster transaction times over competitive considerations tied to third-party gains.

The argument presented in the X post maintains that if XRP provides measurable benefits in cross-border payments, institutions will adopt it regardless of Ripple’s position. It emphasizes that banks routinely engage with external service providers and technology partners, even when those partnerships generate profits for both sides.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Broader Claims and Regulatory Context

Beyond Schwartz’s response, Stellar Rippler includes personal commentary addressing the historical reluctance of banks to embrace XRP. The post attributes this hesitation to regulatory pressure during the administration of Joe Biden, alleging that government actions constrained innovation within the cryptocurrency sector.

The commentator further claims that regulatory agencies, particularly the U.S. Securities and Exchange Commission, targeted Ripple due to its perceived impact on the financial system. These assertions reflect a broader narrative within parts of the crypto community regarding regulatory influence on adoption trends.

The post also references the proposed Clarity Act, suggesting that clearer regulatory guidelines could encourage institutional participation. According to Stellar Rippler, such legislation would remove uncertainty and allow banks to evaluate XRP purely on its utility.

Overall, the X post centers on the idea that economic incentives remain the primary driver for institutional decision-making.

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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Pumpius (@pumpius), a veteran crypto pundit, highlighted the situation, emphasizing Coinbase’s gatekeeping role and the potential consequences for other tokens.

According to Schwartz, the exchange initially refused to list XRP despite its clear business potential. Coinbase has been accused of market manipulation, and this story takes its unfair practices to a new level.

EXPOSED: Coinbase's Greedy Gatekeeping on XRP – JoelKatz Drops the Bombshell!

Back in 2023, Ripple's CTO @JoelKatz spilled the tea on what really went down behind closed doors with @Coinbase and the $XRP listing.

Coinbase refused to list XRP. Even though it was screamingly… pic.twitter.com/crYfpUYSFF

— Pumpius (@pumpius) March 29, 2026

Coinbase’s Refusal to List XRP

Schwartz said he could not share the real details. He then presented what he described as a hypothetical version of events. He framed it as a made-up story before explaining how the listing process played out.

In that account, Schwartz wrote, “They ask Ripple for millions of dollars to list, and we refuse.” That refusal led to a months-long standoff, and the exchange did not list XRP.

Importantly, Schwartz revealed that the exchange agreed that it would have listed XRP if Ripple did not exist. This indicates that the refusal to list was tied directly to Ripple’s involvement rather than technical or regulatory concerns.

The Deal That Changed Everything

The standoff eventually ended when Ripple negotiated a deal. Funds were exchanged, and the exchange listed XRP. Schwartz revealed the immediate impact: XRP “immediately becomes 20% of the exchange’s revenue.” The token’s listing generated substantial income, reflecting the missed opportunities during the months of refusal.

Coinbase initially supported only a few major cryptocurrencies. When Coinbase Pro launched in 2018, it added several additional assets, yet XRP remained notably absent until February 2019, despite being one of the largest cryptocurrencies by market cap.

This clearly shows that XRP’s listing was delayed while other major tokens were added incrementally. Some have linked this move to a very early investment by Jeffrey Epstein.

This situation illustrates what Pumpius described as a form of gatekeeping by major exchanges. By controlling access to their platforms, exchanges could prioritize profit over market fairness.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Consequences for the Crypto Ecosystem

The case raises questions about other unlisted tokens. While Coinbase now sees XRP as an attractive asset, many other game-changing assets may have faced a similar fate.

Schwartz further addressed the impact of this move on the SEC lawsuit. He described how some facts from the listing scenario were used selectively to imply unfair practices. However, Schwartz made it clear that Ripple’s actions were to ensure its existence did not hinder XRP.

Pumpius’ commentary reinforces the broader concern regarding exchange control. The potential for other tokens to face similar barriers underlines the importance of transparency and full decentralization in the crypto space.

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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This idea connects directly with comments from former Ripple CTO David Schwartz, whose view on market pricing helps explain how large investors approach assets, such as XRP, over the long term.

CRAZY: Ripple's David Schwartz says, “If investors truly believed in $100 $XRP, billionaires would already be buying aggressively.”

They aren’t. pic.twitter.com/0SuMs42f7f

— STEPH IS CRYPTO (@Steph_iscrypto) March 21, 2026

Steph’s Market Observation

Steph’s point centers on how major capital moves markets. Billionaires, funds, and large institutions can move prices when they build positions. If a strong belief existed that XRP would soon reach very high valuations, large buyers would accumulate aggressively. Such an accumulation would push the price higher as demand increases.

This does not remove the current growth around XRP. Institutions are using XRP for payments and liquidity. Whale activity remains visible on-chain. Spot XRP ETFs continue to attract attention from market participants. These factors show expanding participation and infrastructure around the asset. However, price levels still reflect the collective expectations of the largest market participants today.

Schwartz Explains Market Logic

Schwartz explained this market behavior clearly. He said crypto prices are “mostly rational over the long term.” He also explained that if investors believed an asset had a very high probability of a major price rally, the price would already move to reflect that expectation. He used Bitcoin as an example and explained that large investors act when they see a bright future.

His point applies to all liquid assets, including XRP. Large investors deploy capital based on probability, risk, and expected return. When conviction rises, infrastructure grows, or utility expands, capital follows. Markets respond to these factors over time.

Institutional Activity Continues Around XRP

XRP continues to build its institutional presence. Payment corridors, liquidity solutions, and financial partnerships continue to expand. Spot XRP ETFs also represent another step toward traditional market access. Whale transactions also show that large holders remain active in the market. These developments show a market that is growing through infrastructure, usage, and financial integration.

However, the billionaires have not joined the market. Building on Schwartz’s comments, Steph noted that if the largest players truly believed XRP could reach $100, they would be buying aggressively.

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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A recent exchange on X brought that discussion back into focus. The interaction involved Ripple’s former Chief Technology Officer, David Schwartz, and an X user who attempted to compare XRP’s long-term price movement with the company’s partnership announcements.

That would be a sensible reply if someone argued that Ripple should sign more partnerships to increase the price of XRP. But nobody did. Someone did argue that burning supply increases price.

— David 'JoelKatz' Schwartz (@JoelKatz) March 13, 2026

Schwartz Responds to Comparison With XRP Chart

The conversation began when Schwartz referenced supply mechanics involving Stellar. In an earlier post, he shared an XLM price chart, noting a major token burn around that historical chart. He shared the chart to counter the argument that burning XRP in escrow can boost XRP’s price. While XLM experienced a similar burn, there was no noticeable price increase.

Schwartz has previously argued that burning the XRP in escrow would be useless. He highlighted the chart to show that the burn did not correspond with a clear price surge.

Scam Daddy, a popular figure in the crypto space, then applied a similar argument to XRP. He posted an XRP price chart and suggested that Ripple had signed hundreds of partnerships within that period, implying those agreements had not produced a direct price response.

Schwartz replied directly to that comparison, clarifying the reasoning behind his earlier post. “That would be a sensible reply if someone argued that Ripple should sign more partnerships to increase the price of XRP,” he wrote. “But nobody did. Someone did argue that burning supply increases price.”

Clarifying the Focus of the Discussion

Schwartz’s response highlighted the difference between two separate arguments. His earlier example addressed claims about token supply reductions affecting price behavior. The reply clarified that his post did not relate to Ripple’s partnership strategy or to XRP adoption through financial institutions.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

He wrote that the comparison would apply only if someone argued that Ripple should sign partnerships to raise XRP’s price. His example focused on the idea that token burns alone do not always create immediate price changes in crypto markets.

Ripple Partnerships Continue to Expand

The exchange placed attention back on Ripple’s global partnerships. The company has spent years building relationships with banks, payment providers, fintech firms, and infrastructure platforms across multiple regions.

Several industry trackers estimate that Ripple now maintains more than 300 partnerships with financial institutions and service providers. These partnerships can boost XRP’s adoption. While Schwartz did not make the argument directly, many in the community believe this can directly impact its price.

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 an X post, Hilton posed a direct question to viewers: “Are you looking at your XRP investment completely WRONG?!” He attached a video explaining why he believes many investors may be focusing on the wrong factors when assessing XRP’s long-term value.

At the beginning of the video, Hilton said the topic immediately caught his attention because it was based on remarks from Schwartz that could “redefine or reset” how investors view their holdings.

According to Hilton, the comments prompted him to reconsider certain assumptions about the asset and the broader ecosystem that supports it.

Hilton also referenced recent price performance, noting that XRP is currently down about 38% over the past year. He described the decline as effectively a “discount” compared with where the asset traded twelve months earlier.

Despite the drop, Hilton emphasized that many investors continue to hold XRP, expecting its value to increase significantly over the next several years.

Are you looking at your XRP investment completely WRONG?!

Find out…. pic.twitter.com/OJt81ql7Fk

— Austin Hilton (@austinahilton) March 12, 2026

Schwartz’s View: XRP Value Extends Beyond the Ledger

Much of Hilton’s comment focused on Schwartz’s statement regarding how people measure the value of XRP. According to Hilton, Schwartz argued that many observers concentrate too heavily on activity occurring directly on the XRP Ledger.

While acknowledging that the ledger is a crucial component of the ecosystem, Schwartz suggested that it does not fully represent the asset’s broader economic activity.

Hilton explained that Schwartz highlighted the large volume of XRP activity off-chain. Trading on exchanges, liquidity provision, market speculation, and exposure through investment products all contribute to XRP’s value.

Though these activities are not recorded directly on the ledger, Schwartz noted that they still represent meaningful economic participation in the ecosystem.

To illustrate the point, Schwartz compared XRP to traditional currency. He said thinking about XRP only in terms of the ledger is similar to viewing a dollar bill as merely a piece of paper.

The broader financial system surrounding the currency, including institutions, markets, and infrastructure, gives the dollar its real significance. Hilton said this comparison stood out because it highlights how the surrounding ecosystem can be far larger than the underlying technology itself.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Expanding Utility and the Role of Institutional Adoption

Hilton also discussed Schwartz’s expectations for XRP’s next stage of development. According to Schwartz, future growth could involve creating more on-chain financial tools built directly on the ledger. These tools could include decentralized exchanges, lending platforms, tokenized assets, and expanded liquidity infrastructure.

Hilton compared this potential evolution to the development around Ethereum, where decentralized applications helped drive the network’s growth and adoption. He suggested that a similar expansion of financial applications could increase the practical utility of XRP within its ecosystem.

Another point Hilton highlighted was the role of institutional adoption. Schwartz indicated that institutional usage is not the final objective but rather a step toward broader retail participation. He compared the process to the early development of the internet, where enterprise and government use came before widespread consumer adoption.

According to Hilton, this perspective reframes how investors might interpret XRP’s long-term trajectory. Instead of viewing institutional involvement as the endpoint, Schwartz suggests it could serve as the foundation for a much larger phase of global usage.

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 comments were made during an interview session at XRP Australia 2026, where Schwartz discussed the types of developments that would demonstrate that the network has reached real market maturity.

In the post, Xaif Crypto summarized Schwartz’s explanation as the “winning theory” for the XRP Ledger, highlighting the sequence of adoption that Schwartz believes must occur. The discussion focused on how enterprise-level activity should appear first, followed by broader participation and interaction between financial products operating on the same ledger.

NEW : David Schwartz just revealed XRPL's winning theory. pic.twitter.com/qj0ZPIzLf8

— Xaif Crypto| (@Xaif_Crypto) March 10, 2026

Enterprise Activity as the First Signal

According to Schwartz, the first indicator of success involves significant enterprise adoption. During the interview, he explained that institutions should begin deploying financial instruments directly on the XRP Ledger before wider retail participation emerges.

He stated that observers should look for substantial volumes of tokenized financial products appearing on the network. Examples he mentioned include tokenized treasuries, tokenized equities, and stablecoins. Schwartz noted that the presence of these instruments would demonstrate that organizations trust the infrastructure enough to build real financial products on top of it.

However, he also clarified that the existence of these assets alone does not necessarily represent the full vision for the ledger. He noted that such systems could still function merely as databases that record financial activity without creating a deeper financial ecosystem.

The Importance of Interconnected Markets

Schwartz explained that the next stage of development involves turning the ledger into a shared pool of value where different financial products interact. In practical terms, this means participants should be able to move between various assets and services that exist on the same network.

He described a scenario in which investors holding tokenized treasuries could choose to exchange them for exposure to lending portfolios. When such activity occurs within a single system, Schwartz said the network itself generates additional value by allowing these different markets to connect.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Network Effects and the User Experience Challenge

Schwartz also addressed the broader concept of network effects. He recalled earlier stages of Ripple‘s payment infrastructure development, where adoption required matching institutions that could send and receive transactions. In contrast, he said a mature digital ecosystem should allow developers to build products knowing that users and liquidity already exist within the network.

In his explanation, Schwartz compared this ideal environment to the structure of the internet, where websites can launch knowing that a global audience is already accessible.

He concluded by identifying a key missing component across blockchain ecosystems: user experience. According to Schwartz, the industry still lacks tools comparable to web browsers or app stores that allow users to interact with decentralized services easily. Until such interfaces exist, he suggested that widespread adoption may remain limited.

Xaif Crypto’s post, therefore, framed Schwartz’s comments as a roadmap for evaluating the XRP Ledger’s progress, focusing on enterprise activity, interconnected markets, and the eventual emergence of strong network effects supported by accessible user tools.

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 a tweet shared by crypto enthusiast Diana, Schwartz clarified that Ripple could sell the rights to future escrowed XRP or even transfer the escrow accounts themselves, while emphasizing that the tokens would remain locked until their scheduled release dates.

Schwartz’s clarification centered on a key structural detail of the escrow mechanism. The XRP in question would remain locked on the ledger until its predetermined monthly release dates.

In other words, while the rights to receive those tokens in the future could change hands, the underlying assets would not enter circulation ahead of schedule. The programmed unlock schedule would remain intact, preserving the timeline embedded within the escrow contracts.

BREAKING: Ripple ex-CTO JoelKatz Says Ripple Could SELL FUTURE XRP ESCROW RIGHTS @Ripple ex-CTO David Schwartz (@JoelKatz) clarified that Ripple could sell the rights to future escrowed $XRP — or even transfer the escrow accounts themselves.

“The XRP still can’t… pic.twitter.com/I2pIpN68qp

— Diana (@InvestWithD) March 2, 2026

Tokens Remain Locked Until Scheduled Release

The tweet stresses that even if rights to future escrowed XRP are sold or transferred, the digital assets themselves cannot circulate prematurely.

The escrow system ensures that each batch of XRP becomes accessible only at its programmed monthly unlock date. This technical safeguard means that any transaction involving future rights would not alter the timing of supply entering the market.

By maintaining the integrity of the release schedule, the structure limits the risk of unexpected increases in circulating supply. The distinction between owning XRP today and owning the contractual right to receive XRP later is central to understanding Schwartz’s explanation.

Potential for Upfront Capital Through Pre-Sales

The tweet further outlines what this clarification could mean from a financial standpoint. If Ripple were to pre-sell rights to future escrowed XRP, the company could potentially raise substantial capital upfront. Institutional participants might agree to purchase future allocations in advance, with delivery occurring automatically upon each scheduled escrow release.

Under such an arrangement, Ripple would receive immediate funding while the buyer would secure a future allocation at predetermined terms. Because delivery aligns with the existing unlock schedule, the escrow’s timing mechanism would remain unaffected.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Community Interpretations of the Strategy

The discussion also generated commentary from members of the online community. A user identified as GHOST__194 suggested that such a mechanism could eventually be integrated into Ripple’s own banking initiatives and speculated about global fund movement applications.

Another commenter, OpenSkyMind, described the concept in simple financial terms, explaining that it resembles transferring the right to receive a future asset rather than transferring the asset itself. According to that interpretation, the strategy functions as a financing method that leverages future income to obtain capital today.

Taken together, the statement attributed to Schwartz and the subsequent interpretations point to a strategic option that preserves escrow integrity while expanding financial flexibility. By selling rights to future escrowed XRP without accelerating token circulation, Ripple could access liquidity while adhering to the programmed structure of the XRP Ledger.

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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Schwartz previously revealed that he used the money from this sale to buy solar panels for a property he no longer owns.

Ethereum (ETH) would eventually rise to an all-time high of $4,953.73, with Schwartz missing out on hundreds of millions of dollars in potential gains. This revelation highlighted how even experienced figures in the crypto space can misjudge potential growth.

Same. Sold 40,000 ETH at $1.05 and though that I was an investing genius.

— David 'JoelKatz' Schwartz (@JoelKatz) March 1, 2026

Schwartz’s Early XRP Sales

Schwartz’s experience with XRP mirrors his Ethereum trades. Early in XRP’s growth, he sold his tokens at $0.10, not expecting the asset to rise significantly. By July 2025, XRP had reached an all-time high of $3.65, vastly exceeding the price at which Schwartz had exited.

Experts and analysts had consistently advised holding XRP due to its practical applications, strong liquidity, and integration with global financial institutions.

Despite missing these substantial gains, Schwartz’s early technical contributions and strategic vision for the network established the infrastructure and credibility that have allowed XRP to achieve its current prominence in the market.

XRP’s True Potential

XRP’s performance following these sales demonstrates the cryptocurrency’s potential. Following its peak in mid-2025, experts have set ambitious targets, with double or triple-digit prices for the coming years. These targets reflect XRP’s growing adoption in global financial systems and its role as a reliable liquidity solution.

Schwartz’s public reflection provides a reminder to investors about timing and conviction. While selling early can provide immediate returns, holding onto assets with strong fundamentals can generate exponential growth. Schwartz’s experience illustrates that market participants often underestimate long-term growth potential, even when initial gains appear significant.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Schwartz’s Lasting Impact

Though Schwartz may not have accurately predicted XRP’s peak, his contributions to Ripple were instrumental in the token’s development. His technical expertise helped design a scalable and efficient payment protocol, enabling XRP to gain traction among banks and financial institutions. The architecture he helped create remains central to XRP’s network and underpins its future growth potential.

Schwartz’s experiences with Ethereum and XRP provide insight into the challenges of cryptocurrency investing. Selling XRP at $0.10 and ETH at $1.05 shows that even experts can misjudge growth potential, and reinforces the stance that investors should not sell XRP early.

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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Steph Is Crypto cited Schwartz as explaining that the XRP Ledger was intentionally built in a way that prevents Ripple from exercising control over it, even if ordered to do so by a court in the United States.

According to the post, Schwartz stated: “We carefully and intentionally designed XRPL so that we could NOT control it.” The analyst presented the remark as a significant clarification about the governance model of the XRP Ledger, emphasizing that the system’s architecture prevents unilateral control by the company that contributed to its early development.

The statement addresses a long-standing point of debate within the digital asset sector concerning decentralization and the degree of influence exercised by founding entities.

By underscoring that the ledger’s design excludes centralized control, Schwartz’s words, as relayed by Steph Is Crypto, reinforce the argument that the XRP Ledger operates independently of corporate authority, even in legal pressure.

Schwartz’s Brief Reaction

Following the circulation of his earlier comment, Schwartz posted a short but notable follow-up: “Why am I so happy?” The remark was concise, yet it conveyed a sense of satisfaction. While Schwartz did not elaborate further in that message, the tone suggested confidence in the design principles he referenced.

Why am I so happy?

— David 'JoelKatz' Schwartz (@JoelKatz) March 1, 2026

Steph Is Crypto’s post is centered primarily on the original statement about the ledger’s intentional structure. However, Schwartz’s brief expression of happiness added another layer to the exchange, prompting responses from members of the XRP community who interpreted the comment as optimism about the ledger’s trajectory.

Community Responses Reflect Optimism

Several replies to Schwartz’s message reflected strong support and confidence in the XRP Ledger’s future. A user identified as Mikael S S wrote that widespread adoption may be imminent, suggesting that people will soon use what has been built without necessarily recognizing the underlying technology, but benefiting from its speed and low transaction costs.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Another commenter, identified as Q, implied that Schwartz’s positive tone could be linked to his understanding of future developments. The user expressed the view that the project’s full achievement may be approaching and predicted that people would soon witness XRP’s prominence.

A third commenter, Ugo, stated that Schwartz had been correct from the beginning and declared that the ledger had secured its position as a trusted chain. The message conveyed a belief that the foundational decisions made during the XRP Ledger’s creation have now been validated.

Steph Is Crypto’s post primarily reported Schwartz’s assertion about the design of the XRP Ledger to prevent centralized control. The subsequent reaction from Schwartz and supportive comments from users illustrate continued confidence among certain market participants regarding the ledger’s governance model and long-term adoption prospects.

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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