Ripple’s CTO Emeritus David Schwartz is back in the spotlight—and this time, he’s taking aim at one of crypto’s boldest claims: can XRP really hit $10,000?
In his latest remarks, Schwartz lays out a blunt reality check: if deep-pocketed investors truly believed XRP had even a slim shot at $10,000, their buying frenzy would have already driven the price to around $20 by now.
David Schwartz Questions the Reality of a $10,000 XRP Price Tag
The remarks from David Schwartz came amid a heated debate on X, where members of the XRP community pressed him to weigh in on a widely shared pricing formula—one that has quietly become the backbone of predictions circulating across parts of crypto social media.
Notably, the discussion centered on a crypto adaptation of Chris Burniske’s valuation model—Price = PQ / (V × S)—which some influencers have used to justify extreme forecasts, including a $10,000 XRP target. Schwartz was asked to respond directly to the formula, particularly in the context of investors basing long-term XRP expectations on it.
In response, the former Ripple CTO pushed back with a simple but striking argument: if even a small number of extremely wealthy and rational investors truly believed there was a 1% chance of XRP rocketing to as high as $10,000 within the next decade, they would already be aggressively accumulating the asset today.
 
In his view, that kind of belief would show up immediately in buying pressure—long before any hypothetical $10,000 price ever came into play—as investors rush to secure positions ahead of the perceived mega upside.
Schwartz added that if wealthy investors truly believed in a 1% chance of XRP reaching the coveted $10,000 milestone, their buying would already have propelled the price toward at least $20.
Another community member suggested that wealthy investors prioritize safeguarding capital over chasing high-risk bets.
Schwartz pushed back, arguing the opposite: that many ultra-rich investors actually preserve and grow their wealth by taking calculated risks others avoid—exactly the kind of strategic positioning he described in his scenario.
Big Move Brewing For XRP?
XRP’s positive-to-negative sentiment ratio on social media recently spiked into the FOMO zone following news that Rakuten Wallet had integrated the token into its payment ecosystem.
This marks “one of the largest retail deployments of $XRP as a payment method to date,” bridging loyalty programs, payments, and crypto utility in a major world economy, Ripple stated in an X announcement.
XRP edged higher following renewed sentiment around its integration with Rakuten Wallet. Despite the latest uptick, the payments-focused token still trades about 62% below its July 2025 peak of $3.65.
In a Friday post on X, analyst ChartNerd said momentum could accelerate sharply if resistance above $1.40 is decisively cleared.
XRP was trading hands at $1.39 as of press time, representing a paltry 0.2% gain on the day, according to CoinGecko data.
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