Ripple CTO David Schwartz Rejects $100 XRP Price Prediction

What Led To XRP Price Prediction

This update began with a direct request from an X user who urged Schwartz to openly tell XRP supporters that the token “can’t and won’t go to 50-100$.” Schwartz, who frequently engages with the community using the handle @JoelKatz, responded by referencing his own past misjudgments. Nevertheless, he then used expected value reasoning to challenge current moonshot narratives.

Schwartz explained that rational investors who genuinely believed in a $100 outcome would not be selling XRP below $10. Therefore, he implied that the current market price shows that most investors do not see those extreme price targets as likely.

Importantly, Schwartz has pushed back on unrealistic XRP price expectations before. In September 2024, he argued that lower XRP prices can make payment flows more expensive, which challenged the idea that cheap XRP is automatically bullish. Additionally, in February 2025, he debated XRP’s supply comparisons to Bitcoin and criticized “unit-ignoring” arguments that often lead to exaggerated targets.

Community Backlash

Schwartz’s latest remarks quickly sparked friction within the XRP Army. Many holders accused him of undermining confidence, especially because he helped build XRP’s core infrastructure. At the same time, critics pointed to his historical XRP sales as evidence that insiders do not truly believe in the extreme upside narratives.

Furthermore, prominent commentators, including Crypto Bitlord, criticized Schwartz and questioned the rationale for holding XRP if even key insiders dismiss high price targets. Some went as far as labeling XRP a “failure.” However, other community members defended Schwartz, arguing that he is simply encouraging realistic expectations and responsible investing.

Meanwhile, engagement metrics also show the intensity of the reaction. His posts reportedly drew more than 800,000 views and hundreds of replies. Ultimately, this reaction shows just how strongly sentiment-driven the XRP Price Prediction conversation remains.

Future Implications for XRP

Schwartz’s comments reinforce a key point: XRP’s long-term performance depends more on adoption and utility than on speculative enthusiasm. At the same time, Ripple continues to push partnerships in cross-border payments, and supporters still point to potential regulatory tailwinds following the SEC legal battle.

Looking ahea, utility-driven demand could support more sustainable price appreciation if Ripple adoption accelerates. However, if internal community sentiment weakens because of repeated “reality check” messaging, XRP could face short-term volatility driven by shifting narratives.