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.

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