David Schwartz questions XRP price prediction, arguing market pricing signals low probability as XRP holders debate about the growth.
Author: Kritika Gupta
Steady attention without excessive speculation.
2nd February 2026– Ripple’s Chief Technology Officer Emeritus, David Schwartz, has reignited debate inside the XRP community by questioning whether XRP can realistically reach $100. In this context, XRP Price Prediction discussions have once again taken center stage. Schwartz argued that if investors truly believed there was even a 10% chance XRP could surge to $100 within a few years, the token’s current price around $1.75 would already reflect that belief through heavier buying pressure. Additionally, his comments arrive as XRP holders continue to speculate on a major upside cycle fueled by regulatory clarity and adoption narratives.
High Signal Summary For A Quick Glance
Skipper | XRPL
@skipper_xrp
📈XRP trades near $1.60 as selling pressure builds. XRP price prediction examines ETF inflows, market correlation with Bitcoin, and key $1.55 support levels. #XRP seems to be settling down instead of crashing. If selling keeps slowing and the overall market mood gets better, https://t.co/Tg9AlWoNp4
08:05 AM·Feb 2, 2026
Coin Bureau
@coinbureau
🚨RIPPLE CTO CHALLENGES XRP $100 TARGET David Schwartz, CTO of Ripple, says $100 XRP claims don’t align with market reality. He argues that if investors truly believed there was even a 10% chance of XRP hitting $100, that expectation would already be priced in. https://t.co/8qGbVK9kDE
08:45 PM·Feb 1, 2026
This update began with a direct request from an X user who urged Schwartz to openly tell XRP supporters that the token “can’t and won’t go to 50-100$.” Schwartz, who frequently engages with the community using the handle @JoelKatz, responded by referencing his own past misjudgments. Nevertheless, he then used expected value reasoning to challenge current moonshot narratives.
Schwartz explained that rational investors who genuinely believed in a $100 outcome would not be selling XRP below $10. Therefore, he implied that the current market price shows that most investors do not see those extreme price targets as likely.
Importantly, Schwartz has pushed back on unrealistic XRP price expectations before. In September 2024, he argued that lower XRP prices can make payment flows more expensive, which challenged the idea that cheap XRP is automatically bullish. Additionally, in February 2025, he debated XRP’s supply comparisons to Bitcoin and criticized “unit-ignoring” arguments that often lead to exaggerated targets.
Key milestones related to this development
Community hype expands around extreme XRP Price Prediction targets as regulatory clarity and adoption narratives pick up.
An X user asks David Schwartz to tell supporters XRP “can’t and won’t go to 50–100$.”
He applies expected value logic and argues the current XRP price signals market skepticism about a near-term $100 outcome.
Holders debate whether Schwartz is undermining confidence or promoting rational expectations.
Market focus shifts toward utility-driven valuation and more realistic XRP Price Prediction frameworks.
Schwartz’s latest remarks quickly sparked friction within the XRP Army. Many holders accused him of undermining confidence, especially because he helped build XRP’s core infrastructure. At the same time, critics pointed to his historical XRP sales as evidence that insiders do not truly believe in the extreme upside narratives.
Furthermore, prominent commentators, including Crypto Bitlord, criticized Schwartz and questioned the rationale for holding XRP if even key insiders dismiss high price targets. Some went as far as labeling XRP a “failure.” However, other community members defended Schwartz, arguing that he is simply encouraging realistic expectations and responsible investing.
Meanwhile, engagement metrics also show the intensity of the reaction. His posts reportedly drew more than 800,000 views and hundreds of replies. Ultimately, this reaction shows just how strongly sentiment-driven the XRP Price Prediction conversation remains.
Schwartz’s comments reinforce a key point: XRP’s long-term performance depends more on adoption and utility than on speculative enthusiasm. At the same time, Ripple continues to push partnerships in cross-border payments, and supporters still point to potential regulatory tailwinds following the SEC legal battle.
Looking ahea, utility-driven demand could support more sustainable price appreciation if Ripple adoption accelerates. However, if internal community sentiment weakens because of repeated “reality check” messaging, XRP could face short-term volatility driven by shifting narratives.
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