David Schwartz

 

David Schwartz is a blockchain architect, and cryptographer, and is the Chief Technology Officer (CTO) and Chief Cryptographer at Ripple and a a board member and consultant at PolySign, which provides infrastructure for digital assets.

 

Quick Facts

 

Name	David Schwartz
Birth	1970, United States
Nationality	American
Education	Electrical Engineering from the University of Houston, Texas.
Marital status	married to Tracey Schwartz
Net worth	Estimated at $1 billion (to be verified)

 

He is one of the key architects behind XRP Ledger (XRPL). XRPL is known for its high-speed transactions and low energy consumption compared to Proof-of-Work (PoW) blockchains. Before joining Ripple, Schwartz worked as a software engineer and cryptography expert, contributing to protected messaging and distributed methods.

 

David Schwartz - Career Highlights

 

• 1991 – Developed secure messaging and cryptographic systems for government and private sectors.
• 2011 – Co-founded OpenCoin, which later became Ripple, focusing on global payments.
• 2012 – Helped create the XRP Ledger (XRPL), pioneering a fast, scalable, and energy-efficient blockchain.
• 2018 – Became CTO of Ripple, overseeing technical innovations and blockchain research.
• 2021-Present – Continues leading Ripple’s expansion in cross-border payments and CBDCs, advocating for blockchain adoption in finance.

 

He consults startups with strategic planning, smart contracts, and consensus mechanisms. He often speaks at major blockchain seminars and engages with the XRP community.

 

Useful Links to Connect With David Schwartz

 

Platform	Link
X (formerly Twitter)	https://twitter.com/JoelKatz
LinkedIn	https://www.linkedin.com/in/david-schwartz-ripple
Ripple Website	https://ripple.com
Youtube	https://www.youtube.com/c/Ripple