The debate over XRP’s long-term value has intensified once again, exposing a familiar tension within the crypto space: should users focus on network utility or price appreciation? As market volatility persists and speculative narratives compete with real-world adoption goals, discussions around the XRP Ledger’s original purpose have resurfaced, drawing renewed attention from industry leaders and investors alike. That conversation gained depth following a public exchange on X involving David Schwartz, Ex-Ripple’s Chief Technology Officer, whose remarks offered a grounded perspective on how markets price expectations, liquidity, and probability. His comments followed a post by Panos that revisited the founding vision of the XRP Ledger as a global exchange for value rather than a speculative vehicle. XRPL’s Vision Beyond Token Price Panos argued that the true strength of the ecosystem lies in the XRP Ledger itself, not just the XRP token. He emphasized the network’s ability to host quality assets and applications that operate seamlessly in the background, effectively serving as financial infrastructure for both consumers and institutions. 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 In this framework, XRP and XRPL act as invisible plumbing , enabling value exchange without requiring end users to care about the underlying mechanics. Questioning the Role of Price Versus Spread That viewpoint triggered a response from Awesomeness, who challenged the notion—attributed to Arthur Britto —that XRP’s price matters less than its spread. He questioned who benefits from deprioritizing price and argued that even users exploiting spreads for short-term profit still depend on XRP’s value dynamics. His concern reflected a broader unease among holders who view price appreciation as central to participation in the ecosystem. Schwartz Explains Liquidity’s Central Role David Schwartz stepped in to clarify the distinction. He explained that for users who do not intend to hold XRP and only want to move value—such as converting dollars to euros—the decision to use XRP as a bridge currency depends far more on liquidity than on price. In that scenario, deep liquidity and tight spreads determine efficiency, while the absolute price of XRP becomes largely irrelevant. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 A Direct Challenge to XRP Price Expectations The discussion escalated when a pseudonymous user, “Ripple is good, XRP is shit,” urged Schwartz to publicly state that XRP would never reach $50 or $100. Schwartz declined , explaining that he felt uncomfortable making absolute claims about future prices. He pointed to his own history of misjudgment, recalling how he sold XRP at $0.10 because it seemed irrational and how Bitcoin reaching $100 once appeared impossible. The Probability Argument Behind Market Pricing In a follow-up post, Schwartz offered a probabilistic explanation that reframed the debate. He stated that if many rational investors genuinely believed XRP had a 10% chance of reaching $100 within a few years, they would not sell meaningful amounts at prices far below $10. Those believers would aggressively buy, quickly absorbing available supply and pushing prices higher. The fact that XRP continues to trade well below that level suggests such conviction does not exist at scale. Schwartz added that anyone claiming widespread belief in that outcome ignores how markets function. He argued that crypto prices remain largely rational most of the time, reflecting collective assessments of future value and associated probabilities. He also noted that major bull runs historically resulted from unpredictable external changes rather than widely anticipated developments. Market Context and Broader Implications As of report time, XRP trades below the $2.00 mark amid cautious sentiment across digital assets , while other large-cap tokens remain under pressure. These prices, according to Schwartz’s reasoning, represent what the market believes today, not what could happen under unforeseen future conditions. Ultimately, Schwartz’s remarks deliver a sobering message: while dramatic upside scenarios capture attention, XRP’s current valuation reflects realistic, probability-weighted expectations rather than blind optimism. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post David Schwartz: Many Don’t Think XRP Has 10% Chance of Hitting $100 Within a Few Years appeared first on Times Tabloid .
