David Schwartz Presents a Question That Stumps the XRP Community, What’s the Answer?

• Ripple CTO presents a question that stumps the XRP community.

• What’s the answer that most fail to see?

• How has this divided the XRP Community?

The Ripple and XRP community was shaken by the words of Ripple and XRP CTO, David Schwartz. This led to an intense discussion that divided the XRP community into two factions, a split that led to steady building on one side, and confusion and second-guessing on the other. As Davis Schwartz presents a question that stumps the XRP community, most struggle to find an answer.

David Schwartz Presents a Question That Stumps the XRP Community

The Ripple team consists of many popular and intelligent figures in multiple fields from visionaries, leadership, marketing, technology, and more. Some of these prominent figures include Brad Garlinghouse and David Schwartz, two figures that are constantly addressing the community and encouraging them to believe in the future of XRP and truly understand what Ripple is here to do.

Since its inception, Ripple has been on a mission to partner with banks across the world to make it easy to move a large amount of funds at extreme speeds for a tractional transaction fee. This ideally meant replacing the traditional SWIFT system, and like any crypto project the firm introduced a native token asset, XRP, that could one day rise alongside BTC and ETH, mirroring the blockchain’s success.

However, due to the battle with the SEC, XRP saw stunted growth, which led many XRP holders to believe that since the asset missed the last two bull cycle pumps, the price of XRP would soon surge exponentially to hit new ATH’s in the 5-digit price range. It is this expectation that David Schwartz shed light on in a recent video, which threw the XRP community into a confused state.

MASSIVE:

The man who built XRP just broke his own community’s narrative.

“If there’s even a 1% chance of $10,000 XRP. Why isn’t it already $20?”

XRP holders have been waiting for $10K for years.
Their own CTO is asking why the market disagrees.

Either XRP is the most… pic.twitter.com/PePEgduu6E

— Merlijn The Trader (@MerlijnTrader) May 3, 2026

As we can see from the post above, the man who built XRP just broke his own community’s narrative. He said, “If there’s even a 1% chance of $10,000 XRP. Why isn’t it already $20?”. This led to XRP holders who have been waiting for $10K for years to question why the market disagrees. Based on his question, either XRP is the most undervalued asset in crypto, or the $10,000 target is less than 1% likely.

What’s the Answer That Most Fail to See?

I’ve held $XRP from $0.006 in 2017

In 9 years I have never heard / read / seen @JoelKatz or @bgarlinghouse guarantee or specifically say that $XRP could never hit a higher price point

In all my time as a content creator, I have specifically said that $XRP has to actually be…

— BarriC (@B_arri_C) May 3, 2026

As Schwartz just forced every XRP holder to answer that question, responses have divided the community into those who continue to believe in the cause and build on the XRPL and those who still believe outrageously high ATH prices will rise, just not as soon as they expected. Most have come to the conclusion that the more XRP is utilised, the higher the chances for XRP to hit new ATHs.