Loading data, please wait a moment. We are fetching the latest content from the server and validating, organizing, and rendering it to ensure the information you see is accurate, complete, and up to date. Loading speed may be affected by your network, device performance, or the current amount of data, so a brief wait is normal. To avoid extra delays caused by duplicate requests, please don't refresh frequently or repeatedly click buttons, and don't close the page or switch to an offline network. The page will update automatically once the data is ready. If it takes noticeably longer, check your network connection and try refreshing or coming back later. If the issue persists, please let us know so we can investigate. Thanks for your patience and understanding.
David Schwartz is the Chief Technology Officer at Ripple and one of the original architects of the XRP Ledger. Prior to joining Ripple, he was the Chief Technical Officer for WebMaster Incorporated, a Santa Clara software developer. He developed encrypted cloud storage and enterprise messaging systems for organizations such as CNN and the National Security Agency (NSA). He is widely known as "JoelKatz" and is a respected voice in the digital currency community.