Discussions surrounding the XRP holdings of former Ripple Chief Technology Officer (CTO) David Schwartz continue to surface across the cryptocurrency market. New updates from an XRP researcher show how many tokens Schwartz has held and how much they would be worth each year from 2012 to 2026 if he never sold his holdings.
How much could Ripple’s XRP holding Ex-CTO be worth?
One prominent cryptocurrency researcher, known as BankXRP, has done just that Released A new report on the value of the XRP stash held by Schwartz. The results detail how property values could have grown over time before Former CTO of Ripple He sold his bags.
The report reveals this Schwartz once had 26 million XRP tokenswhich has seen huge fluctuations with the price changing every year. In 2012, XRP was worth $0.005, making his holdings worth $130,000 before the cryptocurrency reached $2.30. In 2017 during the bull market. At the time, the former Ripple CEO’s stash could have been worth $59.8 million.
Then, BankXRP said the value of Schwartz’s portfolio would have fallen when the price of XRP fell to $0.19 in 2019, and would have risen again as the value of the cryptocurrency climbed back toward $1.00 in recent cycles. By 2024, after Huge gatheringThe average price of XRP reached $2.08. This means the assessed value of Schwartz’s estate would have been more than $54 million.
For 2025 and 2026, the latest figures show that XRP traded at average prices of $1.84 and $1.40, respectively. These market prices would have kept the value of the former CTO’s total holdings at between $36.4 million and $47.8 million over the past two years.
It is worth noting that BankXRP said this Schwartz chose to sell a significant portion of his token coins When the price was around $0.10 per token. This sale was not made in one transaction. The former Ripple CTO liquidated a significant portion of his holdings in several waves between 2012 and 2020 as part of his risk-mitigation strategy.
This sale earned him about $2.6 million at the time, but the market continued to fluctuate wildly after that. On May 6, 2026, Schwartz noted on X that he “previously owned 26 million XRP” but now held a much smaller amount.
Schwartz talks about his investment strategy
Schwartz shared new details regarding his personal digital asset holdings and overall financial strategy on X this week. Former CTO of Ripple open He moved a significant portion of his wealth away from direct exposure to cryptocurrencies, including XRP.
Schwartz explained that he prefers to limit financial risks even though many of his previous investments have been very successful. He also explained that he does not have much of his original XRP stash left because he does not like to take risks and prefers a more conservative investment approach.
While it is Views Schwartz said he was relieved to pass up this opportunity as a rare opportunity to build wealth Huge potential gains. This is because he chose to prioritize stability over the highest possible returns in a volatile market.
The former CTO of Ripple also mentioned this He could have been a billionaire If he is willing to take more risks with his portfolio. He believes his current level of success matches the level of risk he has been willing to accept over the years. Currently, its main association with the blockchain industry comes from ownership Ripple stock. he He said The position gives him enough exposure to the cryptocurrency space while allowing his other funds to remain safe.
Featured image from Shutterstock, chart from Tradingview.com
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