xrpl

Ripple has officially received a full Electronic Money Institution (EMI) license from Luxembourg’s regulator.
This means Ripple can now operate regulated digital payment services across EU nations.
This strengthens real-world use cases for Ripple’s native assets like and

The $XRP community found itself divided after comments from former Ripple CTO David Schwartz resurfaced regarding the possibility of XRP reaching the $50–$100 price range. What began as a cautious response quickly escalated into a heated debate across Crypto Twitter.
Schwartz was responding to a user who claimed $XRP could never reach such levels. In his reply, he stated:
“I don’t feel comfortable saying something like that.”
While the statement was measured, it immediately caught the attention of the XRP army. Many interpreted it as skepticism, even though Schwartz later clarified that his discomfort was rooted in probability, not dismissal.
Schwartz’s Track Record: A Lesson in Underestimation
To understand the context, it’s important to revisit Schwartz’s personal history with XRP. He entered XRP at approximately $0.006 and later began selling around $0.10, a move that already represented a gain of nearly 1,567%.
However, XRP didn’t stop there. The asset eventually surged to $0.25, proving that even one of its earliest architects underestimated its upside potential. This historical example highlights a recurring theme in crypto markets: early expectations often fail to capture long-term growth.
Crypto Analyst Bird Weighs In
Crypto analyst and XRPL developer Bird (@Bird_XRPL) addressed the controversy, emphasizing that Schwartz’s caution should not be confused with bearish sentiment.
According to Bird, statements such as “I don’t think it’s likely” reflect risk-based probability, not certainty. In financial markets, probability assessments are tools for managing expectations — not definitive forecasts.
Bird further pointed out that Schwartz once considered Bitcoin reaching $100 an “impossible dream.” Bitcoin later went on to exceed $120,000, reinforcing the idea that cautious outlooks do not limit future outcomes.
Probability vs. Belief: A Key Distinction
One of the most misunderstood aspects of Schwartz’s comments is the difference between likelihood and belief. Bird explained that Schwartz’s wording reflects experience-driven prudence rather than a lack of confidence in XRP.
This distinction is critical. Many seasoned developers and analysts remain conservative in public commentary, not because they doubt the asset, but because markets consistently outperform early models.
What This Means for XRP Investors
From $0.006 to over $2, XRP has already demonstrated an ability to exceed expectations. Schwartz himself has previously explained why XRP cannot remain undervalued indefinitely, given its role in global payments infrastructure.
Bird urged investors to view these remarks within the broader context of crypto history. When insiders express caution, it often reflects lessons learned — not bearish conviction.
Is XRP Headed Toward $100?
While reaching $100 XRP would require massive adoption, liquidity expansion, and regulatory clarity, many analysts believe it is not impossible over a long-term horizon.
Bird concluded that when someone with Schwartz’s experience says “I don’t think it’s likely,” it should be read as context — not a warning. In his view, Schwartz remains fundamentally aligned with XRP’s long-term vision.
As history has repeatedly shown, crypto markets have a habit of defying even the most informed expectations.
Final Thoughts
XRP’s journey so far proves one thing clearly:
Early doubt does not define future performance.
For investors, the key lies in separating emotional reactions from rational interpretation — and understanding that caution from veterans often carries more insight than fear.
Hashtags
#XRP #Ripple #CryptoNews #XRPL

The $XRP community's got mixed reactions after David Schwartz, Ripple's ex-CTO, said he's not comfortable with XRP hitting $50-$100 💸. His comment was in response to someone claiming XRP can't reach those levels, but many saw it as him being skeptical 🤔.
Schwartz has a history of underestimating XRP's potential, having sold at $0.10 after buying at $0.006 🚨. Meanwhile, XRP surged to $0.25! Crypto analyst Bird says Schwartz's caution is about probability, not dismissal 🚫.
Bird points out Schwartz once thought $100 BTC was a dream 💸. Now? Over $120,000 😱. Key takeaway: seasoned analysts are cautious, but that doesn't mean XRP can't hit $100+ 🚀.
#XRP
# #Ripple

#CryptoNew
#XRPL #CryptoAnalysis

As of 2026, XRP has finally shed its "litigation asset" label, evolving into a cornerstone of institutional liquidity. While the market chases memes, Ripple is systematically integrating XRP into the upgraded global financial system. 🚀
Why is 2026 becoming the "golden year" for XRP holders?
⚖️ Final Legal Clarity
After years of disputes with the SEC, by 2026, XRP has secured its status as a digital standard for interbank settlements in the US and beyond.
Ubiquitous Listing: All major US exchanges have fully restored trading, and institutional custodians have added XRP to their core portfolios.XRP ETFs: In 2026, spot XRP ETFs became a reality, opening the floodgates for billions of dollars from pension funds and family offices.
🌍 CBDCs and the RLN (Regulated Liability Network)
Ripple has emerged as a primary partner for dozens of central banks:
Currency Bridge: The XRP Ledger (XRPL) is being used as the "Bridge Asset" between various Central Bank Digital Currencies (CBDCs).RLN: Participation in global regulated liability networks positions XRP as a compliant alternative to the SWIFT system for cross-border payments.
⚙️ XRPL Evolution: Smart Contracts & DeFi
2026 has brought long-awaited upgrades to the network:
Sidechains: Full-scale smart contracts are now operational on XRPL, enabling native DEXs, lending protocols, and stablecoins (including RLUSD).AMM (Automated Market Makers): On-chain liquidity has deepened significantly, providing stable rewards for liquidity providers.
📈 2026 Price Outlook
XRP is showing the stability characteristic of a settlement asset:
Current Status (Jan 2026): After breaking through multi-year resistance levels, the asset is trading between $0.95 – $1.40.Conservative Target: Analysts expect a consolidation above $2.50 as cross-border payment volumes continue to scale.Bull Case: Amid liquidity crunches and massive banking adoption, the "XRP Army" anticipates testing all-time highs and pushing toward $5 – $10.
⚠️ Risks
The primary risks in 2026 remain competition from internal banking systems (like JPM Coin) and shifting regulatory landscapes in the stablecoin sector.
Bottom Line: In 2026, XRP is no longer just a speculative coin; it is a piece of critical financial infrastructure. If you believe in the transformation of traditional finance, XRP remains the #1 asset in the sector.
#XRP #Ripple #SEC #XRPL #Crypto2026

The crypto community is buzzing after former Ripple CTO David “JoelKatz” Schwartz made a comment about XRP’s price that has XRP holders talking.

In a recent social media exchange, Schwartz addressed a user asking about XRP reaching $50 or $100. He explained that he doesn’t feel comfortable predicting such high prices, stating it’s “not likely” while leaving room for uncertainty. In other words, while $100 isn’t impossible, he believes it’s highly improbable.
Community Reactions

XRP holders responded with a mix of surprise and debate:

Some expressed disappointment, saying: “If even the ex‑CTO doubts $100, it makes us question our own expectations.”

Others appreciated his honesty, noting that he’s simply providing a realistic, probability-based perspective, rather than giving a bearish prediction.
Schwartz’s Own Experience

Interestingly, Schwartz shared his past experience with XRP: he entered the market at around $0.006 and started selling near $0.10, believing the price wouldn’t go higher. Yet XRP later climbed past $0.25, highlighting that even insiders can’t perfectly predict price movements.
Rational Thinking vs. Emotional Targets

This discussion underscores a key point in the XRP community: while ambitious price targets like $10 or $100 circulate widely, realistic outcomes depend on adoption, market conditions, and investor behavior. Schwartz noted that if XRP had a significant probability of reaching $100, informed investors would already be positioning for it, driving the price up.
Could XRP Reach $100?

Technically, yes — but it’s extremely challenging. Analysts agree that for XRP to hit $100, there would need to be massive adoption, increased liquidity, and regulatory clarity. Schwartz’s comments reflect this, emphasizing that prices usually follow strong fundamentals rather than hope alone.

Final Thoughts

The reaction among XRP holders is divided. Some are disappointed, others respect Schwartz’s candid perspective. One thing is clear: crypto markets are inherently unpredictable, and skepticism today doesn’t determine tomorrow’s outcome.

Recently, a comment from David Schwartz, the former Chief Technology Officer of Ripple and one of the original architects of the XRP Ledger (XRPL), ignited heated debate among the XRP community. His remarks about the likelihood — or lack thereof — of XRP ever reaching extremely high price targets like $50–$100 went viral and sparked strong reactions across social media, especially on X (formerly Twitter). �
Binance
🗣 What Schwartz Actually Said
Schwartz responded to a user suggesting that XRP could never hit $50 or $100 by saying:
“I don’t feel comfortable saying something like that.”
He added that while he personally doesn’t think such high prices are likely, he’s seen the crypto market surprise even experts in the past. Schwartz pointed to his own experience: he once believed XRP would never hit $0.25 and began selling at around $0.10 — a price he now looks back on as a serious underestimate. �
CCN.com
He also referenced Bitcoin’s earlier days, when many thought Bitcoin reaching $100 was nearly impossible — yet it later far exceeded that mark. �
CCN.com
🔥 Community Response: Mixed and Emotional
Schwartz’s cautious wording was interpreted in different ways:
⚡ Criticism and Disappointment
A significant portion of XRP holders reacted negatively, feeling the comments were too conservative or even bearish. Some argued Schwartz’s words dampen morale and contradict the long-standing belief in XRP’s potential for dramatic price growth. Critics questioned whether Ripple’s vision for XRP has changed and whether insiders truly believe in high price outcomes. �
CCN.com
Many holders expressed frustration, with some saying they might reconsider their positions or sell if they interpret Schwartz’s comments as a lack of confidence in future gains. �
CCN.com
🌐 Support and Contextual Interpretation
Others in the community were more supportive of Schwartz’s honesty. They argue that restraint from making grand price predictions is responsible, not cynical. Crypto analyst voices pointed out that probability and belief are not the same — just because Schwartz thinks an outcome is unlikely doesn’t mean it’s impossible. �
Binance
Some also emphasized that current prices reflect real market sentiment — if a large number of rational investors genuinely believed in a $100 XRP, many would already be accumulating rather than selling, which would push the price higher. �
CryptoNews
📉 Why this Matters to XRP Investors
📌 Reality vs. Speculation
Schwartz’s comments serve as a reality check. The XRP community often entertains high price targets, but Schwartz highlights that those expectations must align with market behavior and investor conviction. If serious capital believed in near-triple-digit prices within a reasonable timeframe, the price wouldn’t sit far below triple digits now. �
MEXC
⛓ Market Psychology and Long-Term Trends
Even though Schwartz says a $100 price is unlikely, he doesn’t dismiss it outright — he simply refuses to commit to such projections. His stance reflects a cautious but rational perspective common among experienced crypto developers and investors. �
CCN.com
But his commentary also reminds holders that crypto markets are unpredictable. History shows that seemingly unlikely outcomes sometimes occur, especially during major adoption cycles or industry-wide shifts. �
CCN.com
🧠 Takeaway: Price Targets Are Not Guarantees
What this episode highlights is a broader truth about crypto investing:
Expert caution ≠ bearish sentiment: Experienced developers often avoid specific price forecasts.
Market prices reflect collective belief: If many investors truly believed in $50+ XRP, behaviors would indicate that.
History shows surprises happen: Unlikely outcomes like Bitcoin’s early milestones remind us to balance caution with openness to unexpected growth. �
CCN.com
In the end, Schwartz’s commentary didn’t kill the hope for big price targets — it reframed the conversation. Instead of absolute predictions, the focus shifts to probability, market conviction, and long-term fundamentals, which may matter more than short-term hype.
$BTC

The $XRP community is once again split after old comments from former Ripple CTO David Schwartz resurfaced about the possibility of XRP reaching $50–$100.
It all started when someone claimed XRP could never reach those levels. Schwartz replied calmly:
“I don’t feel comfortable saying something like that.”
A simple, cautious statement — but Crypto Twitter did what it does best. Some took it as doubt, others as realism. The XRP Army reacted fast.
Later, Schwartz clarified:
His discomfort was about probability, not disbelief.
🔍 David Schwartz’s History: Even Legends Underestimate
Here’s the part many forget.
Schwartz entered XRP around $0.006
He sold some near $0.10 — already a +1,500% gain
XRP later ran to $0.25+
Even one of XRP’s earliest architects underestimated how far it could go.
Crypto has a long history of doing that.
🧠 Bird (@Bird_XRPL) Adds Important Context
XRPL developer and analyst Bird stepped in to cool things down.
Key point 👇
Saying “I don’t think it’s likely” ≠ being bearish.
That’s risk-based thinking, not a price prediction.
Bird also reminded everyone: Schwartz once called $100 Bitcoin an “impossible dream.”
BTC later smashed $120,000.
Let that sink in.
📊 Probability vs Belief — Most People Miss This
Veterans speak in probabilities because markets are brutal.
Caution ≠ lack of belief
Experience ≠ fear
Crypto regularly outperforms early models, even the smartest ones.
💡 What This Means for $XRP Holders
From $0.006 to $2+, XRP has already crushed expectations.
Schwartz himself has explained why XRP can’t stay undervalued forever, especially with its role in global payments and liquidity.
According to Bird: When insiders sound cautious, it usually means they’ve seen markets surprise before.
❓ Is $100 XRP Possible?
It would require:
Massive adoption
Deep liquidity
Regulatory clarity
Hard? Yes.
Impossible? Not necessarily — long term.
When someone like Schwartz says “not likely”, it’s context, not a warning.
🧠 Final Take
Crypto history teaches one lesson over and over:
Early doubt does NOT define future price.
Smart investors separate emotion from interpretation — and understand that veteran caution often hides deep conviction.
🚀 Markets don’t care about comfort zones.
#XRP #Ripple #XRPL #CryptoNews #CryptoAnalysis 📈📉🐋🚀