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Analyst Says XRP’s Billion-Dollar Unlock Is Old News, Ripple’s Bank Ambitions Aren’t

Analyst Says XRP’s Billion-Dollar Unlock Is Old News, Ripple’s Bank Ambitions Aren’t

CoinpediaCoinpedia2026/07/11 02:30
By:Coinpedia

Ripple released roughly $1 billion worth of XRP from its escrow this week, an amount large enough to catch the attention of traders watching the token’s price action closely.

Asked how to interpret the timing, given XRP’s recent price weakness, one analyst pushed back on the idea that the unlock signals anything unusual. “This is just the standard playbook for Ripple. We’ve seen this for years,” the analyst said, describing it as part of a broader redistribution of XRP into the hands of people who will actually use the underlying technology.

Ripple unlocks roughly 1 billion XRP tokens from its escrow, every single month. On a high-volume month, the company typically sells between 180 million and 300 million tokens, while Ripple typically relocks 70 to 80 percent of that supply right back into escrow. “It’s not as if Ripple sees the writing on the wall,” the analyst said. “This is standard business practice for the company.”

The bank narrative behind the numbers

The analyst pointed to a bigger story developing alongside the CLARITY Act, the PACE Act, separate legislation that could give Ripple direct access to the Federal Reserve system, too. Citing a previous interview, the analyst argued Ripple has “every incentive in the world” to lock up its remaining escrow and use it as collateral to become the first digital bank chartered in the United States.

A co-host on the discussion noted the relock percentage matters for gauging Ripple’s intent. A 90 percent relock this month would show Ripple is flush with capital, he said, pointing to active ETF inflows and corporate revenue as signs the company does not need to dilute the market by selling more tokens than necessary.

Reading the charts

Beyond the unlock, the hosts flagged a possible technical catalyst: XRP may be breaking out of a year-long descending channel, a move they said could align with historically favorable seasonal trends for the token heading into the fall.

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Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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