Ripple's David Schwartz Uses Expected Value Math to Counter $50–$100 XRP Price Targets on January 30

On January 30, Ripple CTO Emeritus David Schwartz challenged viral projections that XRP could soon reach $50 or $100, using an expected value framework to argue they are inconsistent with current trading behavior. He explained that if many rational investors truly saw a strong chance of triple-digit prices within a few years, XRP would not be trading far below $10 as it is now. While XRP hovers near $1.75 after significant declines over the past week and year, analysts point to both extended consolidation and ongoing ETF inflows and accumulation by large holders.