David Schwartz is Chief Cryptographer at Ripple. David is one of the original architects of the XRP Ledger. Prior to joining Ripple, David Schwartz was Chief Technical Officer for WebMaster Incorporated, a Santa Clara software developer. He developed encrypted cloud storage and enterprise messaging systems for organizations like CNN and theNational Security Agency (NSA). Known as “JoelKatz,” he is a respected voice in the digital currency community.