David 'JoelKatz' Schwartz (@JoelKatz) / X

David 'JoelKatz' Schwartz

54.6K posts

David 'JoelKatz' Schwartz

@JoelKatz

Replacing TradFi with decentralized, censorship-resistant blockchain tech. CTO Emeritus at Ripple; one of the original architects of the XRP ledger.

San Francisco, CA

distributedagreement.com

Joined April 2009

Pinned
David 'JoelKatz' Schwartz
@JoelKatz
May 14
SCAM ALERT: There has been a huge escalation lately in airdrop and giveaway scams targetting XRPL users lately. Any such posts you see are likely scams. Anyone claiming to be me on Instagram, Telegram, or almost anywhere else is likely a scammer. Stay safe XRP fam.
371K
David 'JoelKatz' Schwartz
@JoelKatz
Jul 13, 2023
I hereby declare July 13th victory day.
1.4M
David 'JoelKatz' Schwartz
@JoelKatz
Sep 30, 2025
As happens in one’s life, I’ve been taking stock of my last 40 years. It’s been a wild ride. I’ve gone from consulting for the NSA to watching the early stages of Bitcoin. Then, I met Arthur, Jed, and Chris and worked on coding the XRP Ledger. Now, I’ve spent more than 13 years
3.7M
David 'JoelKatz' Schwartz
@JoelKatz
Aug 25, 2025
Got my XRP belt on, wearing an XRP t-shirt, holding an XRP rewards credit card at XRPresso … someone pinch me?
1.4M
David 'JoelKatz' Schwartz
@JoelKatz
Apr 8, 2025
Ripple’s acquisition of Hidden Road is a defining moment for the XRP Ledger and XRP. The prime broker clears upwards of $10B and processes over 50M transactions a day on various traditional rails, waiting up to 24 hours for those transactions to settle. Now imagine even a portion
Ripple
@Ripple
Apr 8, 2025
Today, Ripple announced it is acquiring Hidden Road for $1.25B– becoming the first crypto company to own and operate a global, multi-asset prime broker. Together, Ripple and Hidden Road are bringing the promise of digital assets to institutional customers at scale, bridging
1.2M
David 'JoelKatz' Schwartz
@JoelKatz
Jan 23, 2025
We can fight each other or we can align against those who think people shouldn't be allowed to make their own choices. Do we want to repeat the mistake that got us into the mess Trump's getting us out of?
2.2M
David 'JoelKatz' Schwartz
@JoelKatz
Oct 20, 2025
XRP community – I promised I’d have an update on my next adventure soon right? Well here’s the start: I’ll be a strategic advisor to @evernorthxrp, helmed by my friend @ashgoblue. Evernorth was founded as a regulated, scalable investment vehicle to tap into opportunities for
evernorthxrp
@evernorthxrp
Oct 20, 2025
🚨 Big news: we’re going public. We’ve entered into a business combination agreement with Armada Acquisition Corp II — a transaction expected to raise over $1B, creating the largest public XRP treasury company on the Nasdaq under “$XRPN.” Learn more: prnewswire.com/news-releases/…
1M
David 'JoelKatz' Schwartz
@JoelKatz
Dec 1, 2024
I just officially hit 12 years at Ripple just as XRP moves into the number three position by market cap. Coincidence?
564K
David 'JoelKatz' Schwartz
@JoelKatz
Mar 2, 2025
Am I dreaming?!
Charles Hoskinson
@IOHK_Charles
Mar 2, 2025
Replying to @PeterSchiff
Because XRP is great technology, a global standard, survived for a decade through many harsh cycles, and has one of the strongest communities. I think the president made the right decision
715K
David 'JoelKatz' Schwartz
@JoelKatz
Aug 13, 2025
We’ve been seeing more and more players in the payments and stablecoins space launch their own blockchains. To me, that’s a clear sign the market sees blockchain as core financial infrastructure — something we’ve believed in and have been building toward on the XRP Ledger for
930K
David 'JoelKatz' Schwartz
@JoelKatz
Jul 5, 2025
Current status:
1.7M
David 'JoelKatz' Schwartz
@JoelKatz
Feb 8, 2022
I guess I must have bumped into the switch while I was sleeping.
David 'JoelKatz' Schwartz
@JoelKatz
Dec 24, 2022
All the elements are now taken: Google has earth. Apple has air. Amazon has fire. Ripple has water.
1.7M
David 'JoelKatz' Schwartz
@JoelKatz
Feb 9, 2025
If you strike at the king, you'd better not miss.
965K