Ripple CTO Reveals the Truth About 100 Billion XRP Supply

Ripple’s Chief Technology Officer, David Schwartz, has explained the reasoning behind the XRP Ledger’s decision to issue a total of 100 billion XRP ￰0￱ clarification came after a community member questioned why the network’s creators chose such a large number instead of a smaller or larger ￰1￱ the XRP Ledger was launched in 2012 , its three founders, David Schwartz, Arthur Britto, and Jed McCaleb, pre-mined all 100 billion ￰2￱ Bitcoin, which gradually releases new coins through mining, XRP’s full supply was created from the ￰3￱ then, questions about this fixed figure have continued to circulate among ￰4￱ the Question Arose The latest discussion began when Diep Sanh, a well-known XRP supporter, asked on X why the creators of the XRP Ledger decided on a total of 100 billion ￰5￱ questioned whether there was a technical or symbolic reason behind the ￰6￱ response, Schwartz outlined three main factors that influenced the choice: the need for divisibility to support small transactions, the ability to fit the total within a 64-bit integer for processing efficiency, and the desire for a simple, memorable ￰7￱ meet three criteria: 1) Adequate divisibility. 2) Fits in 64-bit integer. 3) Easy for humans to remember. — David 'JoelKatz' Schwartz (@JoelKatz) October 29, 2025 Reasons Behind the 100 Billion Supply Schwartz first explained that the large supply ensures that XRP can be divided into small units for ￰8￱ token can be split into one million drops, allowing the network to handle very small payments ￰9￱ level of precision supports XRP’s role as a utility token for cross-border transactions and payment ￰10￱ also noted that the XRP Ledger has a practical limit to how finely tokens can be divided, but the current structure is sufficient for its intended use ￰11￱ system’s divisibility ensures that XRP can facilitate both large and minimal-value transfers with ￰12￱ second reason is technical ￰13￱ setting the total number of XRP at 100 billion, the ledger ensures that all token amounts fit comfortably within a 64-bit unsigned integer, a computer data type that can store numbers up to more than 18 ￰14￱ helps the ledger avoid rounding errors and maintain fast transaction processing.

Finally, Schwartz said the number was chosen partly for simplicity. A round figure like 100 billion is easier for users to remember and discuss, making it more accessible for the public compared to arbitrary or uneven ￰15￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Community Views on XRP’s Total Supply Beyond Schwartz’s comments, several community members have expressed differing opinions about whether the 100 billion supply is ￰16￱ December 2024, Versan Aljarrah, co-founder of The Black Swan Capitalist, argued that the growing demand for tokenized assets, stablecoins such as RLUSD , and liquidity solutions could make XRP’s total supply appear limited in the ￰17￱ suggested that, as tokenization and institutional use cases expand, demand might outpace availability.

Similarly, in June 2024, game developer Chad Steingraber highlighted that a significant portion of XRP remains locked in escrow or held by large ￰18￱ to him, the amount actually circulating in the open market is much smaller than the total supply, which could create scarcity over time if demand ￰19￱ community member, Dave Lui, expressed a similar view in 2020, noting that while 100 billion XRP might seem excessive, it becomes logical when considering the asset’s evolving role in financial systems and the growing participation of institutions likely to hold substantial amounts for long ￰20￱ March 2024, XRP supporter Jack the Rippler also defended the figure, stating that solving global payment inefficiencies, a market worth trillions of dollars, requires a high supply to ensure sufficient liquidity across global ￰21￱ Schwartz’s explanation clarifies that XRP’s 100 billion token supply was not arbitrary but a deliberate choice balancing divisibility, system efficiency, and user ￰22￱ some in the community believe this amount may prove insufficient as XRP adoption grows, others see it as a necessary foundation for a network designed to support global-scale ￰23￱ : This content is meant to inform and should not be considered financial ￰24￱ views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s ￰25￱ are urged to do in-depth research before making any investment ￰26￱ action taken by the reader is strictly at their own ￰27￱ Tabloid is not responsible for any financial ￰28￱ us on Twitter , Facebook , Telegram , and Google News