# Ripple's Former CTO Regrets Selling XRP Too Early David Schwartz admits avoiding risk in crypto investments cost him millions. - **Source:** [DailyCoin](https://brifing.si/source/3e9b0f85-cb2f-40ee-ba61-db9410cf0937) - **Published:** 2026-07-21 - **Topic:** [Finance](https://brifing.si/c/finance) - **Original article:** - **On Brifing:** https://brifing.si/s/7bb5768e-43e8-40a9-ad7f-4ffada2d2adc ## Premature XRP Sales Ripple's ex-CTO David Schwartz revealed selling 26M XRP at $0.10, missing massive gains. His "sell at every peak" agreement with his wife influenced decisions, highlighting how personal risk tolerance shapes crypto strategies. ## The Cost of Risk Aversion "I know crypto is a generational wealth opportunity, but I'm just not comfortable with risk," Schwartz confessed. He cited selling ETH at $1 as example, showing how price uncertainty triggers premature exits. ## Institutional Progress Ripple's SEC lawsuit win and pending Clarity Act approval boost XRP's institutional adoption. The company's upcoming MiCa license in Europe and RLUSD stablecoin aim to disrupt traditional finance systems. ## ODL's Strategic Value XRP's On-Demand Liquidity solution powers real-time cross-border payments. Its design mandating XRP settlement reinforces the coin's utility case, supporting long-term valuation theories. ## Community Reactions Schwartz's candid confessions resonated with crypto enthusiasts. Investors appreciated the transparency, noting how industry leaders' personal experiences shape market psychology. ## Lessons Learned This serves as a stark reminder for crypto investors to define personal risk parameters. Schwartz's story exemplifies how premature profit-taking can overshadow long-term potential in volatile markets. ## Sources covering this story - https://dailycoin.com/ripples-david-schwartz-i-wish-i-hadnt-sold-my-xrp/ — --- _Summary written by Brifing from the original reporting. Copyright in the original article belongs to its publisher; read the full piece at the link above._