If You’re Holding XRP, This Pundit Says You Should See This
Crypto analyst urges XRP investors to utilize the asset instead of passively holding it.
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'XRP by Far': How Ripple's David Schwartz Makes His Biggest Profit Despite Selling Too Early
TL;DR
David Schwartz, Ripple's CTO Emeritus, revealed that XRP has generated the biggest profit for him, despite his conservative approach to investments. He previously held 26 million XRP, converting other assets like Bitcoin and Ethereum to acquire it.
Key points
- David Schwartz is Ripple's CTO Emeritus
- XRP generated the biggest profit for Schwartz
- He previously held 26 million XRP
- Schwartz converted Bitcoin and Ethereum to acquire XRP
- He describes himself as excessively conservative
Mentioned in this story
David SchwartzRipple
David Schwartz, Ripple's CTO Emeritus and now an honorary member of the renewed XRPL Foundation, responded on social platform X to a user question about which digital asset had generated the biggest profit for him, and, "by far," it was XRP.
Notably, the chief architect of XRP Ledger openly describes himself as excessively conservative. Reflecting on what advice he would give to his younger self before entering the industry, Schwartz said he would tell himself to take more risks, though he admitted he still likely would not have followed that advice.
XRP by far.
— David 'JoelKatz' Schwartz (@JoelKatz) May 12, 2026
The math behind David Schwartz's XRP holding strategy
Schwartz had previously disclosed the structure of his historical holdings, which explains his current conclusions. At the peak of his accumulation, Schwartz held 26,000,000 XRP, for which he converted his Bitcoin and Ethereum reserves.
At the same time, Schwartz still considers himself an extremely cautious investor. Once XRP reached the $0.10 mark, the amount of capital at risk - $2.6 million at the time - became psychologically uncomfortable for him.
Because of his aversion to risk, he and his wife decided to systematically sell portions of their holdings each time XRP reached a new all-time high.
According to the current XRP/USD chart at the beginning of the second decade of May 2026, the token's market value stands at $1.464, meaning that if the blockchain co-creator had held his entire peak allocation of 26 million coins until today, the position would now be worth exactly $38.064 million. During the global price peak around $3.84, the same volume of tokens would have been valued at $99,840,000.
Q&A
What digital asset has David Schwartz made the most profit from?
David Schwartz has made the most profit from XRP, which he stated was 'by far' his biggest gain.
How many XRP did David Schwartz hold at his peak?
At his peak, David Schwartz held 26 million XRP.
What advice did David Schwartz give to his younger self regarding investments?
David Schwartz advised his younger self to take more risks in investments, although he admitted he likely wouldn't have followed that advice.
