David Schwartz

David Schwartz

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

Doubts Over Collateral May Trigger Broad Asset Haircut
SocialApr 20, 2026

Doubts Over Collateral May Trigger Broad Asset Haircut

An asset is not fully collateralized if there's serious doubts whether the supposed backing will actually be used to back the asset, and I think an across the board haircut is not unlikely.

By David Schwartz
Charlie Bethel's only Controversy: A Proper
SocialApr 15, 2026

Charlie Bethel's only Controversy: A Proper

The best dirt they could find on Charlie Bethel is that he once ruled correctly in favor of a city against a crime victim.

By David Schwartz
Fava the Puppy Appears to Be Broken
SocialApr 13, 2026

Fava the Puppy Appears to Be Broken

I think Fava is broken. (Sorry, I previously said this was Nox. This is not Nox. This is the puppy, Fava.) https://t.co/NeOlrCPiEk

By David Schwartz
Even Service Dogs Prefer Movies over Books
SocialApr 7, 2026

Even Service Dogs Prefer Movies over Books

I went to see Project Hail Mary. Great movie, I highly recommend it. The less you know about it going in, the better. Trust me. The guy in front of me in the theater brought his dog in to see the...

By David Schwartz
First XRP Email Arrived From FalcoVinnie, Feb 2013
SocialMar 18, 2026

First XRP Email Arrived From FalcoVinnie, Feb 2013

Fun fact: The first email anyone ever sent me that had the word "XRP" in it was from @FalcoVinnie asking for some back in February of 2013. https://t.co/XZqGnsqLHp

By David Schwartz
9th Circuit Holds Amazon Liable for Selling Suicide Kits
SocialMar 13, 2026

9th Circuit Holds Amazon Liable for Selling Suicide Kits

I don't understand this ruling. Is the court really holding that the theory that can go forward is a failure to warn of the risk that the product could be used to commit suicide?! That completely defies logic. Seems like...

By David Schwartz
Article Ignores Brandenburg Test, Offers No Proof of Incitement
SocialMar 13, 2026

Article Ignores Brandenburg Test, Offers No Proof of Incitement

This article is complete garbage. It claims that the symbol is not protected by the First Amendment because it is incitement, but neither mentions the relevant legal test nor presents any argument or evidence necessary to satisfy the test. The test...

By David Schwartz
XRPL Hub Remains Stable Despite Observed Anomalies
SocialDec 26, 2025

XRPL Hub Remains Stable Despite Observed Anomalies

My XRPL hub has been completely solid for the past month. I've investigated the anomalies shown on these graphs and none were associated with any reduction in performance for peers. https://t.co/LBDEaGGplh https://t.co/8cm4cDfLyb

By David Schwartz
Avoid Mandatory Crypto Wallet Updates Unless Absolutely Essential
SocialDec 26, 2025

Avoid Mandatory Crypto Wallet Updates Unless Absolutely Essential

Crypto wallet manufacturers: Please do not make software/firmware updates mandatory unless *absolutely* necessary. Sometimes we need to do things in a hurry and forcing us to make updates in a hurry to get to do the thing we really need to...

By David Schwartz
Expanding XRP Ecosystems Boosts Utility, Anchored by XRPL
SocialDec 12, 2025

Expanding XRP Ecosystems Boosts Utility, Anchored by XRPL

More XRP ecosystems is a good thing. Letting XRP operate in more environments builds utility, and the XRPL remains the anchor that makes it all work.

By David Schwartz
Stable XRPL Node Available: Connect to Hub 2.6.2
SocialDec 4, 2025

Stable XRPL Node Available: Connect to Hub 2.6.2

My hub has been running 2.6.2 for more than a week now and there have been no issues. If you run an XRPL node, feel free to connect: Hostname: hub . distributedagreement . com Domain: distributedagreement . com Port: 51235 PubKey: n9Juuyj2XGZRLSjL5d6UTsgNMrRURH83fM1xjouo4XVm14FQvza2

By David Schwartz
XRP Ledger's Evolving Role in Native DeFi Solutions
SocialNov 18, 2025

XRP Ledger's Evolving Role in Native DeFi Solutions

XRP Ledger was created in 2012. The world of blockchain has changed many, many times over since then. My own thoughts on governance and consensus models have evolved. I’ve been mulling over how XRP is used in DeFi (both organically with...

By David Schwartz
Grateful for NYC XRP Community Night's Amazing Support
SocialNov 6, 2025

Grateful for NYC XRP Community Night's Amazing Support

Thanks to everyone who came to XRP Community Night NYC tonight. You were all amazing. This community means everything to me.

By David Schwartz
Phishing Scams Impersonate Hardware Wallet Upgrades—Stay Vigilant
SocialOct 21, 2025

Phishing Scams Impersonate Hardware Wallet Upgrades—Stay Vigilant

Huge increase in phishing emails claiming hardware wallet security upgrades or verification processes. Ignore any such messages you receive unless you can independently confirm them and NEVER enter a hardware wallet's seed phrase into anything other than the hardware wallet.

By David Schwartz