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XRP To $100? Ex-Ripple CTO David Schwartz Weighs In

FIT Editorial TeamBy FIT Editorial TeamJanuary 30, 2026Updated:March 4, 2026No Comments4 Mins Read
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Ex-Ripple CTO David “JoelKatz” Schwartz pushed again on viral XRP worth calls, arguing that at this time’s market worth is already a referendum on how a lot credible capital really believes in a near-term path to $100. His feedback additionally spilled right into a broader dialogue about XRPL economics and scaling tradeoffs that, in his view, get misplaced within the hype cycle.

Table of Contents

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  • Can XRP Attain $100?
  • Associated Studying
  • Associated Studying
  • Scaling The XRP Ledger

Can XRP Attain $100?

Schwartz was responding to an X person urging him to inform “xrp supporters” that XRP “can’t and received’t go to 50-100$,” warning that “So many individuals get poor with investing in xrp.” Schwartz declined to make an absolute declare, however framed the talk in probabilistic phrases, pointing to his personal historical past of being stunned by crypto’s upside.

Associated Studying

“I don’t really feel comfy saying one thing like that,” Schwartz wrote. “Whereas I don’t suppose it’s probably, I didn’t suppose it was probably that XRP would ever hit $0.25. I began promoting XRP at $0.10 as a result of it appeared insane. I bear in mind when bitcoin hitting $100 appeared like an unattainable dream.”

Quite than debating narratives, Schwartz provided a market-math thought experiment: if rational buyers really believed there was a significant likelihood of XRP reaching $100 inside a number of years, the present worth wouldn’t sit far under double digits for lengthy.

“If many rational individuals believed that there was a ten% likelihood that XRP hit $100 inside a number of years, they undoubtedly wouldn’t promote very a lot at this time at a lot lower than $10,” he mentioned. “These with that perception would rapidly purchase up a lot of the XRP, as a result of they’d worth it extra extremely than these with out that perception, and shortly the provision of XRP nicely under $10 would dry up.”

Schwartz then drew his conclusion from the hole between the hypothetical and the tape. “That the present buying and selling worth is nicely below $10 reveals that there aren’t very many individuals who actually suppose it has a ten% likelihood of hitting $100 inside a number of years with sufficient confidence to place their cash the place their mouth is,” he wrote, including: “So anybody who says in any other case is just not telling the reality.”

He emphasised that readers can “do that very same math” with totally different odds, time frames, and goal costs. In a last word, Schwartz argued his baseline assumption is that crypto markets are “rational more often than not,” with main bull runs sometimes catalyzed by “unpredictable exterior adjustments,” reasonably than extensively telegraphed certainties.

Associated Studying

In a separate reply, Schwartz revisited an older famous X post by himself the place he mentioned that XRP “can’t be low cost.” Requested what he meant by this, he answered: “It implies that a low worth for XRP really makes it dearer to make use of for funds and exchanges.”

The implication is mechanical: if XRP’s worth is decrease, extra models are required to signify the identical worth in flight, probably impacting how the asset is used throughout cost and change flows.

Scaling The XRP Ledger

Schwartz additionally addressed considerations about XRPL throughput after a person questioned whether or not “1500 per second (theoretical) is ample,” asking about methods to extend on-chain transactions per second. Schwartz mentioned larger TPS is feasible, however warned that almost all approaches shift prices onto node operators.

“There are methods, however I don’t suppose you actually wish to,” he wrote. “Nearly any means you do it imposes prices on everybody who runs a node. They must obtain extra transactions, course of and retailer extra transactions, and relay extra transactions to others.”

He argued that decentralization stress reveals up when node prices rise with no matching profit, and advised a unique optimization goal: “Because of this I believe it makes extra sense to attempt to improve the worth of every transaction reasonably than making an attempt to extend the variety of transactions you may help.” With XRPL charges “so low,” he added, many transactions are “very low in worth,” leaving room to “get extra helpful transactions on XRPL, even crowding out the nugatory ones,” earlier than throughput turns into the binding constraint.

At press time, XRP traded at $1.76.

XRP falls under the 100-week EMA, 1-week chart | Supply: XRPUSDT on TradingView.com

Featured picture created with DALL.E, chart from TradingView.com



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