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Former Ripple CTO David Schwartz recently argued that most $XRP investors do not behave like people who genuinely believe $XRP could hit $100.
He said anyone who truly believed $XRP had that kind of upside would actively buy the token at current levels and would refuse to sell it below $10. According to Schwartz, the fact that many investors continue to sell $XRP under that price shows that most individuals do not believe in the $XRP to $100 claims.
Key Points
- David Schwartz said a genuine belief in a $100 $XRP price would lead investors to buy heavily and avoid selling below $10.
- To him, the continuous selling of $XRP under $10 suggests most investors do not believe in the $100 price scenario.
- Schwartz chose not to specifically state that $XRP could never reach $50 or $100, citing how he underestimated the crypto markets in the past.
- He sold $XRP around $0.10 in the past after assuming higher prices were unrealistic.
- Schwartz argued that if many rational investors saw even a 10% chance of $XRP hitting $100, low-priced supply would quickly disappear.
Schwartz Chooses Not to Discredit $XRP to $100 Claims
He made these remarks during a discussion on X. Specifically, a Ripple supporter urged Schwartz to directly tell $XRP holders that prices between $50 and $100 would never happen. The individual argued that extreme price expectations had caused many investors to lose money after putting too much faith in unrealistic targets.
In response, the Ripple CTO emeritus said he does not feel comfortable stating that $XRP could never reach those levels, even though he personally believes such scenarios are unlikely. He explained that his own experience in crypto taught him to remain cautious about dismissing price outcomes.
Schwartz called attention to the past, when he believed $XRP would never reach $0.25, admitting that he began selling his holdings at around $0.10 because prices already seemed unreasonable. He also pointed to Bitcoin’s early days, reminding participants that many people once viewed a $100 Bitcoin as an impossible goal.
Investors Who Believe $XRP Could Hit $100 Would Not Sell Under $10
However, Schwartz suggested that if many rational investors believed $XRP had even a 10% chance of reaching $100 within a few years, they would not sell significant amounts at current prices. Instead, those investors would quickly buy up available supply below $10.
Schwartz explained that buyers with that level of conviction would value $XRP much more highly than current sellers. As a result, $XRP priced far below $10 would disappear from the market. Since this has not happened, he concluded that very few people truly believe $XRP has a meaningful chance of hitting $100 within that timeframe.
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
Essentially, persistent claims of $100 to $XRP do not match the current investor behavior. Notably, market commentators such as Jake Claver, the CEO of Digital Ascension Group, have persistently championed claims of $XRP reaching $100.
According to Schwartz, crypto prices generally behave rationally and often reflect realistic assessments of future potential and risk. He noted that major bull runs in crypto usually emerge from unexpected external developments, not from widely shared predictions or popular narratives.