Former Ripple CTO David Schwartz recently made a statement that quietly challenges one of the loudest narratives in the $XRP community — the idea that XRP is inevitably heading to $50–$100.
According to Schwartz, investor behavior does not match that belief.
If people genuinely believed $XRP had the potential to reach $100, their actions in the market would look very different from what we see today. True believers wouldn’t be casually selling XRP at $1, $2, or even $5. In fact, Schwartz argued that anyone with real conviction in a $100 XRP would be aggressively buying at current prices and refusing to sell below $10.
Yet the market tells another story.
🧠 Behavior vs Belief
XRP continues to see consistent selling pressure well below $10. For Schwartz, this alone is proof that most investors do not truly believe in the $100 scenario, regardless of what they post or repeat online. Words are cheap — price action is honest.
He explained that markets are generally rational. If a large number of rational investors believed there was even a 10% chance that XRP could hit $100 within a few years, supply at low prices would dry up almost instantly. Buyers with that level of conviction would happily absorb everything under $10.
That hasn’t happened.
⚠️ Not Calling It Impossible
Importantly, Schwartz did not outright dismiss the possibility of XRP ever reaching $50 or $100. In fact, he deliberately avoided making such absolute claims. His reason? Experience.
He openly admitted that he has underestimated crypto markets before.
In the past, Schwartz believed XRP would never even reach $0.25. Because of that belief, he sold XRP around $0.10, assuming prices at the time were already unreasonable. History proved him wrong.
He also reminded listeners that Bitcoin once faced the same disbelief — many people genuinely thought $100 $BTC was impossible in its early days.
Because of these past misjudgments, Schwartz prefers caution over certainty. While he personally believes extreme XRP price targets are unlikely, he refuses to say they can never happen.
📉 Why the $100 Narrative Falls Apart (For Now)
Despite leaving the door open, Schwartz emphasized that current market behavior does not support the $100 thesis. Persistent selling at low prices indicates a lack of real conviction among investors.
In simple terms:
If people believed → they’d buy more
If people believed → they wouldn’t sell cheap
If people believed → price wouldn’t stay this low
The fact that XRP remains far below $10 suggests that the $100 narrative is more hope than expectation for most participants.
🚀 Final Take
Schwartz concluded that major crypto bull runs usually don’t come from widely shared predictions or popular narratives. Instead, they are driven by unexpected external events, shifts in liquidity, or changes no one is properly pricing in.
Until then, markets reflect reality — not dreams.
Belief without conviction doesn’t move price.
Behavior does.
Disclaimer:
Includes third-party opinions. This is not financial advice. Crypto markets are volatile and risky. Always do your own research.