#161 – DAVID SCHWARTZ

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David is the CTO of ⁠Ripple⁠ and one of the original architects of the ⁠XRP Ledger⁠. Prior to Ripple, David spent over a decade as the CTO of WebMaster Incorporated where he developed encrypted cloud storage and enterprise messaging systems. David is also known by his internet pseudonym “⁠JoelKatz⁠”. Follow him on X ⁠@JoelKatz⁠.