XRP has continued to trade lower as crypto prices weaken across the board, 
with the total market shedding more than $1.3 trillion since October. Related 
Reading: Bitcoin Feels The Weight Of Quantum Risk Concerns, Industry Leaders 
Warn During the past three months, XRP has dropped more than 30%, keeping 
pressure on sentiment even as some commentators argue the token’s purpose goes 
far beyond short-term price moves. Retail Vs. Institutional Viewpoint 
According to health and finance commentator Dr. Camila Stevenson, much of the 
debate around XRP misses how large financial players judge settlement tools. 
Everyday traders tend to focus on charts and quick exits. Banks do not. They 
look at whether a system can handle stress, move large sums, and keep working 
when conditions worsen. Stevenson compared it to infrastructure testing, where 
strength and capacity matter more than the initial cost. XRP Was Built For 
Flows Based on reports from her recent video discussion, XRP was structured to 
act as a bridge for moving value, not as a speculative chip. With a fixed 
supply, the token cannot expand in quantity to meet higher transaction demand. 
Stevenson said that leaves price as the only way to support larger volumes. 
Analyst XFinanceBull echoed this view, encouraging market watchers to think in 
terms of flows rather than daily price action. Price Alone Does Not Prove Use 
Even so, market behavior still plays a major role. XRP trades in open markets, 
and speculation continues to influence price direction. A higher price may 
improve efficiency, but it does not guarantee adoption. Stevenson pointed out 
that many institutions position through custodians, OTC desks, and private 
agreements. These transactions often happen quietly and may not show up as 
sharp moves on public charts. Sudden spikes during positioning, she warned, 
would suggest instability rather than healthy use. Why Higher Price Helps 
Stevenson argued that banks moving billions would rather use fewer units that 
each represent more value. Fewer tokens can mean simpler settlement and less 
risk of slippage during busy periods. Large financial systems tend to fail 
when money cannot move or when settlement slows, not when prices fall. In that 
context, a higher XRP price could support smoother transfers if volumes rise 
enough to test the system. Related Reading: XRP ETFs Grow Past $60M As Price 
Struggles To Respond Market Reality Remains Mixed Despite the theory, clear 
proof of large-scale institutional demand remains limited. Regulation, 
liquidity depth, and reliable access still shape whether banks commit real 
volume. XRP’s 33% slide over recent months shows how quickly sentiment can 
shift, even as long-term use cases are debated. The idea that banks prefer a 
higher XRP price rests on future scale, not current trading patterns. Featured 
image from Unsplash, chart from TradingView

Banks Could Favor A Higher XRP Price, Finance Expert Says

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Discussions around XRP supply have resurfaced after a detailed post on X by an 
XRP investor known as Lord Belgrave, who offered a perspective that goes 
beyond the usual conversations about the XRP tokens locked in escrow. 
According to the XRP investor, Ripple’s escrow mechanism is a deliberately 
structured system designed years in advance with institutional deployment in 
mind, and we might see more details in the near future as NDAs start to 
expire. Related Reading: Bitcoin Feels The Weight Of Quantum Risk Concerns, 
Industry Leaders Warn Why Ripple Created The XRP Escrow In The First Place 
Lord Belgrave&#8217;s remarks on the Ripple escrow system address questions about 
how XRP supply is managed, why the escrow exists in its current form, and what 
its role could be as Ripple’s infrastructure matures. The argument is that 
Ripple’s escrow was never designed internally as a pool of tokens just waiting 
for the best market distribution. In the discussions he describes, escrowed 
XRP was presented as locked supply governed by deterministic release schedules 
and multi-year planning phases. The emphasis was on predictability and 
control, with supply aligned not to short-term trading dynamics but to 
institutional readiness. Although not publicly assigned or disclosed, portions 
of the supply were viewed as conceptually reserved for future system 
deployments. Lord Belgrave claims these conversations occurred under strict 
non-disclosure agreements (NDAs) and involved institutions across Europe, the 
Middle East, and Asia. These institutions included central banks, systemically 
important financial institutions, multilateral bodies, the International 
Monetary Fund and the Bank for International Settlements. Ripple introduced 
its escrow system in 2017 to bring transparency and discipline to XRP supply. 
XRP was created with a total supply of 100 billion tokens. However, not all of 
these tokens were in circulation during launch. About 55 million XRP was 
locked into on-ledger escrow contracts during launch, with 1 billion XRP 
scheduled for release each month. However, Ripple also re-locks around 700-800 
million XRP, and only 200-300 million XRP is effectively released into 
circulation each month. This rules-based approach has become a cornerstone of 
XRP’s tokenomics for the past few years. NDAs, Disclosure Timing, And What 
Could Come Next Lord Belgrave also pointed to a perceived change in 
institutional language following Ripple’s regulatory progress, interpreting it 
as a sign that long-standing NDAs may be nearing a disclosure phase. Systems 
are now moving from preparation into active deployment, and as such, 
previously reserved liquidity will become operational. That interpretation was 
met with a response from Vincent Van Code, another popular XRP enthusiast on 
X. In his view, many NDAs exist but disclosure does not occur automatically. 
He explained that information is typically revealed only when both parties 
formally agree to share specific confidential details. Related Reading: XRP 
ETFs Grow Past $60M As Price Struggles To Respond From this point of view, the 
NDAs are so that Ripple does not disclose its counterparties and keeps them 
clear of regulatory scrutiny until compliance checks, audits, and approvals 
are complete. Any future transparency from Ripple and its partners would 
likely follow coordinated decisions instead of just NDA expiration. Featured 
image from Unsplash, chart from TradingView

Pundit Breaks Down Ripple’s XRP Escrow: Why Is It Important?

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