The creator of XRP, David Schwarz, sold his entire XRP holdings and rotated them into Bitcoin, demonstrating that even the architect of a crypto asset should diversify their portfolio rather than holding concentrated positions. This strategy involves spreading investments across multiple assets within a sector to manage risk, as holding only one asset exposes investors to significant volatility and potential losses during market downturns. Schwarz's approach shows that while believing in a sector's long-term potential, investors should not concentrate all capital in a single asset, as the asset's own creator recognizes the risks of concentrated holding.
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π¨ XRP PRICE EMERGENCY π¨ DAVID SCHWARTZ SOLD HIS XRP!!Added:
I I see both sides, but the way I feel personally is we should take gains while we can go, right?
>> The man who built the XRP ledger just told the world to take profits. And if you're one of the 60% of XRP holders sitting in the red right now, you need to hear what he said next because David Schwarz sold 26 million XRP years ago to rotate every single dollar straight into Bitcoin. And he didn't buy XRP again when it hit 50, not at a dollar and not even at $3 that we know of. but he's had every single chance to buy it back again. But he hasn't done that on the literal chain that he created. And he finally just explained why. And his answer is something almost everyone in the XRB community is not ready to hear.
So in this video, I'll break it all down. I'll give you a look behind the curtain on the strategy that he's running instead. So, as always, like this video, subscribe to the channel if you're feeling bullish, and if you're going to become the first millionaire in your family tree, confirm it by commenting amen below. Also, we're giving away our 2026 altcoin trading blueprint and passive income crypto strategies to everyone who follows us on Instagram. Bullrunners right now. The official link to our account will be in the description below this video. Let's run it.
All right, bull runners. Welcome back to the channel. So, the man who built the XRP ledger just told the world he doesn't believe in just holding it because on May 4th, David Schwarz, the former Ripple CTO, answered a community question with a single line. He said on X, "I had 26 million XRP that I traded Bitcoin for, but once XRP hit 10 cents, I had millions of dollars of risk. I very much did not like that at the time." So, he clarified his current bag is still more than a million tokens, but the original stash existed, all 26 million of them. Then he dropped the bigger one. He sold a big portion of it in waves between 2012 and 2020 and rotated it straight into Bitcoin. The man who designed the XRP ledger cashed out millions of dollars of XRP and bought Bitcoin with the money. Every outlet ran the same line. And he said there's another strategy that lets him sleep better at night. And if you've been holding XRP for a while, you know exactly what he's talking about. Because if that's the only asset you own, well, you've been on a roller coaster over the last few months, the last few years. Way back in 2018, XRP hit $3. Then it crashed to 11 cents on March of 2020.
That's a 96% wipeout from top to bottom.
And just over 2 years, that's a short period of time in macro investing.
Almost everybody who held through that watched their entire bag bleed out month after month. And I was one of those people. That's when the comeback finally arrived. XRP ripped from 11 cents back to a $1.96 by April of 2021. So, the run was finally back on. However, it rolled right back over to the downside and crashed to 29 by June of 2022. Another 85% crash. Then, the next bull run hit.
XRP climbed all the way to $3.65 in July of 2025. The Trump rally, the ETF approvals, the lawsuit settling, all of it stacked together, and the chart was finally breaking out of the cage. But now it's trading back around $1.40 at the time of making this video and most likely towards the end of this year, even lower. So right now it's another 62% drop from the high and it's just getting started. Three peaks and three crashes back to back. Every single time the chart printed green for a while, it gave most of it back on good news. It would pump and then it would get sold right back to the downside. So you're asking why is that? That's a roller coaster that the architect of the XRP ledger exited years ago. But this is the line that flipped the whole story open for me. Schwarz didn't just sell once and stay quiet about it. He walked onto the XRP Las Vegas 2026 stage and said a sentence on a live microphone that the XRP community has been trying to spin ever since to fit the narrative.
>> I've always advocated for Ripple not pushing to slam the door and the Bitcoin maxis are just wrong about everything.
Even like the XRP maxis, there are some.
I think they're wrong. The creator of the XRP ledger literally said the people only holding XRP and the people who are maxis and only believe in it are wrong.
That's pretty big when it's coming from someone like him. He's the technical core of the asset. He wrote the consensus rules. He built the project.
He's been the chief engineer since 2012.
However, he just told you on tape on a Ripple sponsored stage that holding only XRP and ignoring everything else is not the play. It's not smart. That's not a casual opinion. And he's not wrong.
That's the architect calling out his own community for the strategy most of them are running right now. And I've been talking about this for so long that people think I'm crazy. So he answered the question every XRP holder needs answered. Then he posted his cleanest portfolio explanation on X. He said it's rational to spread your investments across a sector if you believe the sector will win long term, but you can't personally pick which projects end up as the winners and which end up as the losers. So he's not bearish on crypto.
He's not bearish on XRP. He thinks the sector wins longterm, but he's calibrated his strategy enough to know that nobody can call the biggest winners and the biggest losers 10 years out. So, he spreads the risk. He keeps a smaller XRP position. He rotated gains into Bitcoin years ago. He holds Ripple, equity, and private markets. And he sleeps better at night with a real portfolio underneath him. Not a single concentrated bag writing the chart whenever the chart wants to go. Now, if you think he's an absolute idiot, listen to this. If you're holding an asset or even the creator doesn't want to hold a big position because it's too risky for his own sleep, that puts you in a really tough spot there. Why is that? Well, it's because the architect already is derisking. He straight up told you the founders will willingly sell on retail to derisk themselves. And if he's willing to do that, what do you think Brad's willing to do? What do you think Chris is willing to do? He looked at his own bag. He sized up the volatility. He did the math on his future. And he walked himself off the chain. Now, you don't need to copy him. Exactly. But you need to understand and listen to what he's telling you. You need a real strategy. You need a diversification strategy across the entire sector like he just outlined on X. And if you haven't read the book reality trans surfing by Vladim Zeland, I I believe is how you pronounce his name. It talks about pendulums. You need to understand pendulums so you can emotionally disconnect yourself from the pendulums that are in crypto just like they're in politics. Because if you're caught in a pendulum, you get absolutely trapped and you get wrecked and that's how you lose sleep at night and then you don't make sound, strong, rational, logical decisions. So that book absolutely changed my life and how I view the market and I was losing money when I didn't understand it. And I understood that having a diversification strategy across the sector is the best thing to have passive income from the crypto that you already hold while you wait for the next leg up for XRP and the rest of the market because waiting alone has wiped out everyone who tried over the last few cycles. They ride that volatility all the way back to the bottom. Then something mathematically based on like God timing or God math happens at the bare market bottom. So they have to sell their positions to pay their rent, pay their bills, medical emergencies, you name it. That's God literally telling them they need another strategy. And that happened to me. And I say this out of experience, not out of theory here, because at the literal bottom when Bitcoin was at $3,000 after that crash from 2016 to 2018, I had to sell at the bottom. Not because I wanted to, but because I was forced to. Had I tooken profits at the top, I would have be a lot further today than I am right now.
But I had to go through those lessons so I can share them with you to help you compress time frames so you don't make the same mistakes that I made. So, this is where the wealthiest investors that I've learned from over the years do something completely different. They don't sit and wait through the dead zones, through the bare markets. They put their XRP to work while the chart does whatever the chart's going to do.
Okay? So, when you hold XRP in a wallet, the coin just sits there. It earns you nothing. Like cash, like I said in a previous video, sitting under a mattress, but every single day, billions of dollars get traded across crypto markets. And every single one of those trades pays a very small fee. Now, most of the fees go to centralized exchanges like Coinbase or Binance. But if you use a liquidity pool, they go directly to you. Think of it like an automated currency exchange booth at a busy international airport. Millions of travelers from New York fly in and need to swap dollars for yen. Travelers from Tokyo fly back the other way and need to swap yen for dollars. And every single swap, the booth takes a small fee right on top. Now imagine instead of just using the booth, you own a piece of the booth. You supplied some of the dollars and some of the yen sitting in the drawer. And every time a traveler swaps, you get a cut of the fee automatically without lifting a finger. That's exactly what a liquidity pool is. Now imagine you're only putting liquidity into the booth that are audited by the largest institutions in the world. So they're the most secure. So you don't have to worry about rug poles. You don't have to worry about hacks, about scams. And most people in crypto are standing in line at a booth sweating over which way the rate is going to move next. So you stop standing in line. You stop worrying about the chart, the price action, and you become the booth. You become the bank. You provide the liquidity. The traders pay you to use it. So, the price of XRP can pump, it can dump, or it can sit sideways for two straight years. You don't care. The fees keep flowing back to your wallet. Either way, from the other altcoins that you hold as well.
And when the market crashes, volume actually goes up because more people are panic selling. When they sell, they pay more in fees. So, you often make more in fees during a violent dead zone, in a crash, than during quiet markets.
Because bare markets that bleed out most holders are exactly when operators still make good income. And when you start to get this income, you can keep holding your main positions while also investing into other coins in the space with house money, the yield that you generate. So, that's diversification with active income on top. I don't want to call it passive income anymore, but it's really active income because traders are actively trading and you're earning yield from that. and the exact strategy David Schwarz, the XRP ledgers architect, just told you to run. And it's the same playbook one of the guys in our private intelligence community, Mike, has been running for the last 6 months on top of hundreds of other members. Mike came in as a complete beginner in crypto. He didn't know what a liquidity pool was. He didn't know what DeFi meant, and that's completely fine. You know, he had no clue which protocols were safe and which ones were going to drain his portfolio and were going to rugpull overnight. But in his own words, he said in a review that he left us, "What has impressed me the most is that I've been able to generate profits even during a bare market, particularly through their DeFi strategies. Instead of guessing or chasing hype, I now feel like I'm following a structured plan with thoughtful analysis behind it." Now, these are not paid reviews. These are real members, a part of our altcoin pro accelerator program, getting results.
And don't just take my word for it.
Click the link in the description below.
Listen to some of their stories. because a complete beginner started making money through the dead zones or the ranging markets or the bare market within just a few weeks of learning about it. So, this is beginner friendly if you're good at following instructions. If you want to see the exact passive income strategy that Mike is using to put his idol crypto to work, then go to the first link in the description right now, watch the completely free training video that I put together for you, if it makes sense for you, it goes over the full entire system, then just book a call with my team. Now, it's important to understand that I'm not saying that David Schwarz doesn't believe in XRP because he clearly still does. And when we saw this, when he walked onto the same Vegas stage that I was there for the Bitcoin event, for the XRP event, and he laid out his vision for the actual future of money, >> what is the TCP IP of money? What is the shipping container of value? We don't know that yet. There's going to be one, though. That is a definite. The size of payments are are going to shrink, drastically shrink. But if payments were cheap and simple, money could be streamed at you while you're working.
So, he's talking about a world where salaries are streamed in real time, rent settled by the hour, and money moves at the speed of an email. That's the world he's helping build. And XRP is literally engineered for it. Because think about what it actually takes to stream money in real time. You can't wait 10 minutes for a transaction to clear. You can't pay $50 in fees to send someone $2. You can't run a global payment system on Rails that handle seven transactions per second. So, watch what happens when you line up the three biggest chains in crypto against the world Schwarz just described. Bitcoin takes anywhere from 10 to 60 minutes just to confirm a single transaction. They call it digital gold. They store value and it's not needed for transactions. But think about that for a second. So, if it's not needed for transactions, something else will be used for global transactions.
And every one of those confirmation costs multiple dollars in fees when the network's busy for Bitcoin. The whole network can only process around 3 to seven transactions per second. So, next on the list you have Ethereum. You know, it's faster. Most transactions clear in a few minutes, but the fees are high.
And in the past, when the network was really busy, the fees hit like $50 or more just to send a single payment. And in 2021, in that cycle, when NFTts were going crazy, Ethereum was at its peak.
This project named Bape Yach Club was launching things called Other Side Deeds, which were other NFTts in their line. The fees were over $1,000 per transaction in gas. It was absolutely insane. for those of you that were around during that bull run. So, it's much cheaper now, especially at a bare market, but still it's not ideal on Ethereum. And the throughput maxes out around 30 transactions per second. So, the man who designed the asset for the exact future of money just described how he won't put his own money back into it.
Maybe he knows something that we don't.
Maybe he sees how long these dead zones actually last and how long adoption actually takes. Maybe he understands that even when you're right about the long-term thesis, the road to get there can break you financially if you don't have an income engine working underneath you during all the years of patience that it takes to wait. Now look at XRP transactions settle in 3 to 5 seconds with full finality. The fee for that transaction is roughly 200th of a cent.
A single penny pays for 50 XRP transactions with change left over. And the network can handle up to 1,500 transactions per second. 200 times what Bitcoin can do, 50 times what Ethereum can do. So stack it up. You got speed, cost, throughput, and XRP. It's not just competitive. It's the only one of the three actually engineered for the world that David Schwarz described. Streaming salaries by the second, rent settled by the hour, micro payments moving globally for less than a penny. That's not a coincidence there. That's the exact use case David Schwarz built the XRP ledger to handle. And yet, he still sold his bag. He still rotated to Bitcoin. and he hasn't bought a single coin back. Even with XRB sitting around $1.40 today, unless he's using private wallets, maybe he is. But maybe he knows something that we don't. Maybe he sees how long these dead zones in these bare markets actually last. And maybe he understands that even when you're right about the long-term thesis, the road there is not worth holding through when there's a better strategy that I just explained to you. Because think about what just happened. XRP ripped to over $3.65 last July. Now 10 months later, it's back to $140. That's a 62% lead in zero income on the way down. So if you put in $100,000, it's worth like $40,000. 10 months of staring at red candles wondering if it's ever coming back. So on the other side of the equation, if you had something earning you passive income on the sidelines, even just through stable coins during that whole entire stretch, you wouldn't be stressing watching your portfolio bleed out. You would have been collecting rent checks the entire way down. And the architect of the XRP ledger literally has lived through every single cycle. So he's done the math himself. He's very intelligent. You can't just say he's an idiot for that. He knows way more than us. And he chose to spread his risk and diversify his portfolio. So when you hear me saying this and then you see literal billionaires doing it, now you understand why we're talking about our private intelligence network in every single video. Most people say, "Oh, it's just a sales pitch." But yet we have members every single day earning hundreds and even thousands of dollars per month in passive income from the same XRP that they're already holding.
For example, Brett's in a pool giving him 50% APY, so he gets 50% extra cash in passive income. Now, that's obviously higher APY. The usual is around about 3 to 8% on most protocols. But he didn't actually find that opportunity himself.
Our research team is in the trenches every single day looking at the best opportunities across DeFi to farm in the short term, in the midterm, and the long term. Then they scan all the protocols.
They vet the pools. They test the strategies with their own money. Then they share what's actually working with the whole community for what they're doing with their money. And Brett was a complete beginner who didn't even know what a liquidity pool was before joining. But he didn't have to figure out where to look. He didn't have to vet anything himself or spent 6 months learning DeFi the hard way by losing his own money. He just trusted the team and he acted on what they were doing with their own money. Because our main goal is to protect our own capital first.
Just like you. And the oxygen mask example on a plane. When you hop on a plane, they always tell you put your own oxygen mask on first before you help others. Because if you can't help yourself first, how are you expected to help others? So our research team is just showing you what they're doing with their own money after researching what all the institutions are doing. So that's the actual value of being inside a private intelligence network and having a research team in your back pocket because all of the biggest financial companies have research desks because they realize they can't do it alone. They need teams researching the market 24/7 while the CEO of the company sleeps. So if you're a CEO of a company, you have people on your team that make you better. Same thing for me. I have people on my team that make me better so I don't have to figure everything out alone. So, you're plugging into a system where people are doing the research every single day. So, you don't have to.
Because if you have a full-time job, you have a business, you just need to know where you're going to deploy your capital. So, if you're done watching your portfolio do nothing, well, the chart eats your patience alive and you want a real plan underneath your entire portfolio instead of just praying for the next pump, then the links in the description. You know what to do. Click it, watch the free training. If it makes sense, then apply to join the accelerator program. We give you a free call, 30 to 45 minutes. even just go get on the call, get your questions answered. If it's not the right thing for you, our team will be the first ones to tell you. So, if the spots are full, if you try and book a call, then you just got to come back 24 to 48 hours every time I drop a video, you know, people go, they book the calls. And so, we cap the number of members that we bring into the community every single week because we want to keep the quality of our coaching program extremely high because now you understand David Schwarz moved out of a single coin concentration to protect his peace of mind. He's not waiting, he's not hoping, he's earning while he waits. And so are the people who figured this out before you. So you don't need to predict the future. You don't need to be an astrologologist here in technical analysis. You just need to look at what the man who built the asset does with his own wealth. You need to look at what the institutions do. And when you do that the next 12 months, you'll be a lot further ahead than you are right now. So I will see you on the next video. I will see you through the link in the description below. I also will see you at the top. As always, you know what to do. Stay bullish.
Heat. Heat. N.
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