david schwartz

David Schwartz, known as JoelKatz, serves as the Chief Technology Officer at Ripple, which provides global financial institutions, businesses, governments, and developers the ability to manage, move, and tokenize value through blockchain technology. David is an expert in cryptography, software development, and computer security, especially for startups as well as rapidly growing and tiny companies, and is a native of San Francisco, California.

David is among the original architects, including Arthur Britto and Jed McCaleb, who were inspired by Bitcoin to create the XRP Ledger, a decentralized open blockchain founded in 2013. Before joining Ripple, he was Chief Technical Officer at WebMaster Incorporated, a Santa Clara software developer. In addition, David has developed enterprise messaging systems and encrypted cloud storage for companies such as CNN and the National Security Agency.