Debates surrounding the XRP holdings of former Ripple Chief Expertise Officer (CTO), David Schwartz, proceed to emerge throughout the crypto market. New updates from an XRP researcher present simply what number of tokens Schwartz held and the way a lot this might have been price annually from 2012 to 2026 if he had by no means offered off his holdings.
How A lot Ripple’s Ex-CTO’s XRP Holding Might Have Been Price
A distinguished crypto blockchain researcher, generally known as BankXRP, has launched a brand new report on the worth of the XRP stash as soon as held by Schwartz. The findings element how the worth of the holdings might have grown over time earlier than the previous Ripple CTO offered his luggage.
The report reveals that Schwartz as soon as held 26 million XRP tokens, which noticed large swings as the worth modified annually. In 2012, XRP’s worth sat at $0.005, making his holdings price $130,000 earlier than the cryptocurrency hit $2.30 in 2017 throughout the bull market. At the moment, the previous Ripple government’s stash might have been valued at roughly $59.8 million.
Following this, BankXRP stated that Schwartz’s portfolio worth would have plummeted when the XRP worth fell to $0.19 in 2019, and would have risen once more because the cryptocurrency’s worth climbed again towards $1.00 in latest cycles. By 2024, after the large rally, XRP’s common worth sat at $2.08. This implies the estimated worth of Schwartz’s holdings would have been over $54 million.
For 2025 and 2026, the most recent figures present that XRP traded at common costs of $1.84 and $1.40, respectively. These market charges would have saved the worth of the previous CTO’s whole holdings between $36.4 million and $47.8 million over the last two years.
Notably, BankXRP stated that Schwartz selected to promote a big portion of his tokens when the worth was roughly $0.10 per token. This sell-off was not executed in a single transaction. The previous Ripple CTO had liquidated a big portion of his holdings in a number of waves between 2012 and 2020 as a part of his de-risking technique.
That particular sale earned him about $2.6 million on the time, however the market continued to fluctuate wildly afterward. On Could 6, 2026, Schwartz famous on X that he “as soon as had 26 million XRP” however now holds significantly much less.
Schwartz Speaks On His Funding Technique
Schwartz shared new particulars relating to his private digital asset holdings and general monetary technique on X this week. The previous Ripple CTO revealed that he has moved a good portion of his wealth away from direct crypto publicity, together with XRP.
Schwartz defined that he prefers to restrict his monetary threat although a lot of his previous investments have been extremely profitable. He additionally clarified that he doesn’t have a lot of his authentic XRP stash left as a result of he dislikes threat and prefers a extra conservative funding method.
Whereas he views cryptocurrency as a uncommon alternative to construct wealth, Schwartz stated he’s snug lacking out on potential large positive factors. It is because he selected to prioritize stability over the very best attainable returns in a unstable market.
The previous Ripple CTO additionally talked about that he might have been a billionaire if he had been prepared to take extra dangers together with his portfolio. He believes that his present stage of success matches the extent of threat he has been ready to simply accept through the years. At present, his fundamental tie to the blockchain business comes from possession of the Ripple inventory. He stated that the place offers him ample publicity to the crypto house whereas permitting his different funds to stay safe.
Featured picture from Shutterstock, chart from Tradingview.com
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