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David Schwartz es el director de tecnología en Ripple y uno de los arquitectos originales del libro mayor de XRP. Antes de unirse a Ripple, fue el director técnico de Webmaster Incorporated, un desarrollador de software de Santa Clara. Desarrolló almacenamiento en la nube cifrado y sistemas de mensajería empresarial para organizaciones como CNN y la Agencia de Seguridad Nacional (NSA). Es ampliamente conocido como 'joelkatz' y es una voz respetada en la comunidad de moneda digital.