[Ripple CTO David Schwartz to Step Down by Year-End] Ripple Chief Technology Officer David Schwartz has announced that he will step down by the end of the year. Schwartz has worked at the company for over 13 years, including 7 years as CTO, and has made significant contributions to the development of the XRP Ledger. Schwartz stated that after leaving, he will focus on family and personal hobbies but will continue to participate in XRP community activities.