Ripple CTO Emeritus David Schwartz has admitted that selling XRP at around $0.10 remains one of his biggest cryptocurrency regrets, despite following a strategy that matched his personal risk tolerance. His remarks explain why he chose to lock in gains early instead of waiting for potentially much larger returns. According to Schwartz, he wishes he had held onto more of his XRP and Ethereum, but his investment choices were guided by a long-standing preference for minimizing risk over pursuing larger returns.