David “JoelKatz” Schwartz, a founding architect of the XRP Ledger and Ripple’s CTO Emeritus, has delivered a measured rebuttal to claims that XRP could soon reach $100. In a recent post on X, he dismissed triple-digit projections as inconsistent with rational market behavior. According to Schwartz, if sophisticated investors truly expected such an outcome, they would aggressively accumulate XRP well ahead of time. Consequently, supply at prices far below $10 would rapidly vanish as high-conviction buyers moved to front-run the market.
Moreover, Schwartz argued that even a small chance of $100 XRP would alter investor behavior, discouraging sales at low prices. He added that subdued valuations reflect limited confidence in extreme upside, as markets often reveal true sentiment better than online speculation.
However, he warned against certainty, admitting past misjudgments, including selling XRP at $0.10. While he considers $100 unlikely, he acknowledged that crypto markets can still defy logic.
Ex-Ripple CTO David Schwartz Explains Why Rational Investors Aren’t Betting on $100 XRP
David Schwartz highlighted how market belief shapes price action, noting that if rational investors truly assigned even a 10% probability to XRP reaching $100 in the coming years, current selling behavior wouldn’t make sense. According to him, such conviction would trigger aggressive accumulation, not sales at low prices, since perceived future value would far outweigh today’s market levels.
But I will say this:
If many rational people believed that there was a 10% chance that XRP hit $100 within a few years, they definitely wouldn’t sell very much today at much less than $10. Those with that belief would quickly buy up most of the XRP, because they’d value it more…
— David ‘JoelKatz’ Schwartz (@JoelKatz) January 29, 2026
Key XRP Levels to Watch – January 30
