A lesser-known feature of the XRP Ledger (XRPL) is gaining attention in the community, specifically the option to escrow your own XRP for future use. 

Jake Claver, the MD of Digital Ascension Group, recently reminded XRP holders that they can lock their tokens with a built-in time delay using the XRP Ledger’s native escrow capability.

Escrow for Future Growth or Discipline

The XRPL offers a unique feature that allows users to lock their XRP. This functionality serves multiple purposes, from securing assets for long-term holding to enforcing personal financial discipline, and even automating scheduled transfers.

Specifically, an XRPL escrow is a contract where funds are held until certain conditions are fulfilled. Unlike traditional escrow, the ledger automates this process by locking XRP or tokens until the specified conditions pass, without the involvement of a third party.

A practical example is Ripple’s XRP escrow program, launched in December 2017. Ripple locked 55 billion XRP into secured accounts to provide transparency and predictability regarding XRP’s supply.

Nearly eight years later, Ripple’s escrow balance is down to around 36 billion tokens. The released 19 billion tokens were distributed at a rate of 1 billion XRP monthly since the initial lockup in 2017.

Just as this program provides transparency on Ripple’s holdings, Claver explained that a similar escrow service is available to all XRP enthusiasts. It’s a tool on the ledger that eliminates the need for third-party custodians.

Using XRP Toolkit to Set Up an Escrow

Claver noted that through platforms like the XRP Toolkit, holders can register their wallets, manage their XRP, and set up self-imposed escrows. The process involves selecting the amount of XRP to lock and the exact release time. This feature can also automatically transfer XRP to another wallet at a future date, just like Ripple’s program.

For long-term investors, this offers a way to “protect XRP from yourself,” Claver said, by delaying access to funds until a strategic financial goal is reached. 

Escrow Process

According to XRPL documentation, the sender creates an escrow using the EscrowCreate transaction, locking funds with specified release conditions and recipient information.

The recipient completes the escrow with EscrowFinish when conditions are met, releasing the funds and deleting the escrow.

If an escrow expires (passes its expiration time without completion), the sender can cancel it using EscrowCancel, returning the funds.

Limitations

Escrowing small amounts may be impractical due to higher costs, especially when using crypto-conditions, which incur greater fees. Meanwhile, the sender must hold the reserve while the escrow is active.

Notably, only the PREIMAGE-SHA-256 crypto-condition is supported. In other words, the funds can be unlocked only by proving knowledge of a secret that hashes to a specific SHA-256 value.

Lastly, the timing is based on ledger close times, which can cause slight delays in seconds.

A Solana proponent and crypto community pundit rode with 25 Uber drivers to test how much retail adoption XRP boasts.

This social experiment was carried out by Solana advocate Jakey, known online as @SolJakey, who said Crypto Twitter keeps suggesting Uber drivers are quietly fueling XRP’s rise by buying and holding large amounts. 

How Much Do Uber Drivers Know About XRP?

To put this theory to the test, Jakey took 25 Uber rides in what seems to be Ontario, Canada, asking each driver the simple question: “Do you hold XRP?”

Are uber drivers actually rich from XRP?

I took 50 uber rides to find out! pic.twitter.com/Dex10kguWc

— Jakey (@SolJakey) July 20, 2025

He documented the journey in a video posted on July 20. From the start, most drivers seemed unfamiliar with XRP. Specifically, some of them responded with confusion, while others said they didn’t know or didn’t own any crypto at all. 

However, Jakey pressed on through each ride, hoping to find at least a few drivers who fit the online narrative. As the day went on, the pattern stayed the same, and ride after ride, the answer stayed no.

Jakey kept the tone light but clarified that the responses didn’t match what he’d expected. Just when it seemed the theory would fall flat, his final ride delivered a surprise. 

For context, the 25th driver said he had bought XRP at $1.67 and planned to hold it long-term. It remains unclear if the individual bought when XRP hit $1.67 in mid-2021 or during the latest November 2024 run. Regardless, the reason behind his decision to hold long-term was due to XRP’s utility.

Notably, Jakey’s goal was to find out if XRP has truly reached mainstream retail adoption. Earlier, he mentioned this when he called the experiment a way to ascertain if XRP really is the go-to coin for everyday investors. 

“Retail Still Early”

However, the community pundit’s past posts show a skeptical view of XRP. In December 2024, when XRP traded at $2, he said he was shorting it and moving profits into Solana-based meme coins. After that, XRP climbed to $3.4 in January 2025, dipped to $2, then consolidated for months before jumping again to $3.5, where it trades now.

After the experiment, Jakey sarcastically suggested that either XRP still hasn’t reached the masses, or the Uber drivers who once bought in have already made their money and moved on. 

Meanwhile, XRP community researcher SMQKE used Jakey’s experiment to make a case for XRP’s future potential. He pointed out that 99% of retail investors still don’t know about XRP, even though it’s breaking new price records. 

The current state of retail.

99% are oblivious to XRP, even as it breaks all time highs.

Retail investors are not rushing to accumulate utility tokens.

Institutions are.🎯 https://t.co/5CtwmOYXEn

— SMQKE (@SMQKEDQG) July 20, 2025

Interestingly, SMQKE argued that this shows retail interest remains low, while institutions have started accumulating XRP behind the scenes. Notably, XRP community pundits have mentioned this, concluding that due to how early the market is, XRP could leave plenty of room for growth.

Industry commentator Coach JV is challenging investors’ priorities, claiming that many will regret overlooking XRP as a generational wealth opportunity.

In a tweet, the XRP advocate prompted the crypto community and investing public to reassess their financial priorities.

XRP Represents a Once-in-a-Lifetime Opportunity

According to Coach JV, XRP represents a once-in-a-lifetime opportunity that many people will overlook until it’s too late. He believes XRP could go down as the biggest missed opportunity for generational wealth.

The tweet echoed a sentiment that has become increasingly common in the XRP community. Many commentators argue that the asset’s current valuation is low and that one day, those who ignored it will look back in disbelief.

Notably, XRP is trading above $3.50 today, but many believe it’s still selling at a massive discount, especially when compared to Bitcoin.

Lifestyle Over Legacy?

In his message, Coach JV drew a comparison between spending and investing habits. He pointed out how easily people spend $100,000 on luxury trucks or high-end lifestyles to impress others.

Meanwhile, the same individuals may hesitate to invest even a fraction of that amount into potentially life-changing assets like XRP. To Coach JV, this is not a money problem but a matter of misplaced priorities.

This critique suggests that flashy purchases may bring short-term satisfaction. However, people should prioritize strategic investments that could reshape their family’s financial future.

Coach JV’s message builds on his long-standing advocacy for proactive wealth-building through XRP. He has previously encouraged holders not just to invest, but also to build, create, and educate to transform the passive wait for XRP’s rise into a purposeful journey.

Perspectives of Other Market Watchers

Coach JV’s statement resonated with many in the crypto community. X user Schultzy agreed with him, stating that there is a widespread lack of financial education, noting that it is not taught in schools or at home. As a result, people tend to make poor financial decisions.

However, while some agreed with his broader message, they disagreed with the focus on XRP. They argued that XRP may not be the life-changing asset Coach JV is promoting.

In response, Coach JV noted that people said the same thing in 2020 when he first began discussing XRP. Yet, five years later, the coin has increased in value by more than 20 times. Considering this, he said he looks forward to hearing what those same critics will say by 2030.

Essentially, his perspective suggests that within another five years, XRP’s price could see massive growth, rewarding today’s investors. At the same time, those remaining on the sidelines may end up regretting their decision, wishing they had believed in it.

As the price of XRP rises, discussions about how much of the token one needs to hold for retirement are gaining traction once again.

Across social media, market commentators are reigniting the conversation around how much XRP is needed to retire comfortably.

The idea is that while most XRP holders are retail investors, many are anticipating a future where the price of XRP becomes so high that even a modest holding could be worth millions, enabling investors to transition from active work to a passive income lifestyle.

For example, as XRP is trading at $3.50 today, a portfolio worth $1 million would require holding over 285,000 XRP. On the other hand, if the price were to reach, say, $500, just 2,000 XRP tokens, which could be procured for $7,500 today, would be worth $1 million.

A recent commentary led by community figure Jeremiah asked investors how much XRP they believe is enough to retire comfortably. The responses varied widely, ranging from cautious optimism to bold minimalism.

Community Weighs In

One user stated that 10,000 XRP would be sufficient to retire comfortably. This implies an expectation that XRP could rise above $100, making this investment worth over $1 million.

Another suggested a much higher target of 60,000 XRP. However, Jeremiah pushed back on that figure, saying he believes the required amount would be “far less than that.”

A community member took an even more aggressive stance, suggesting that just 1,000 XRP could be enough. Jeremiah agreed, even hinting that future supply dynamics could significantly impact value. He claimed that XRP supply will begin to dry up in five years, adding, “The price will be huge.”

I can definitely see that. Just wait until the supply starts to dry up in 5 years. The price will be huge!

— GenXRP (@JeremiahB45) July 20, 2025

In perspective, such a small portfolio would only be worth millions if XRP were to reach $1,000, a projection many view as highly ambitious.

Could 100 XRP Be Enough?

One of the most surprising takes came from a user named Marc, who claimed that just 100 XRP would be sufficient to retire. Jeremiah didn’t dismiss it. In fact, he responded, “Yes indeed.”

Yes, indeed 👏

— GenXRP (@JeremiahB45) July 20, 2025

This response shows the ultra-bullish sentiment held by some in the XRP community. For context, 100 XRP would only be worth millions in a hypothetical future where XRP trades at over $10,000 per token.

This outlook would require a staggering growth of over 285,000% from today’s price. Interestingly, in a bold statement, crypto founder Jake Claver asserted that XRP could hit $10,000 by 2027. However, many, even within the XRP community, remain skeptical of such extreme optimism.

The Number Is Less Important

Meanwhile, some community members have shifted the focus away from exact numbers, instead highlighting the broader forces.

One user pointed out that the amount of XRP required to retire ultimately depends on factors such as market adoption, regulation, and technological evolution. They compared the situation to Bitcoin, noting how the number of BTC needed to retire in 2020 has become very different from what’s needed today.

Essentially, according to many XRP holders, the token’s price could be much higher in the years to come. Some analysts, like BarriC, have even suggested that XRP could be considered “cheap” at $500 by the 2030s.

Evaluating such future price scenarios against small holdings from 100 to 50,000 XRP could mean substantial fortunes emerging from today’s modest investments.

Financial expert Gary Cardone is pushing back on claims that Michael Saylor would have doubled MicroStrategy’s gains if he invested in XRP instead of Bitcoin. 

The debate over how much profit MicroStrategy might have earned by investing in XRP instead of Bitcoin has taken center stage in the crypto community. This came after the prices of XRP and Bitcoin soared tremendously over the past week.

Strategy Would Have Doubled Its Gains If It Invested in XRP

Following the rally, a major figure in the XRP community, Gordon, claimed that MicroStrategy would have doubled its profit as of July 19 if it added XRP to its balance sheet instead of Bitcoin.

Gordon shared a chart that compares MicroStrategy’s actual Bitcoin holdings against a hypothetical portfolio of XRP purchased with the same capital the company had committed to BTC since August 2020.

Per the chart, while the cumulative value of MicroStrategy’s actual Bitcoin holdings stood at $70 billion, the hypothetical XRP portfolio would have been worth nearly $140 billion. Accordingly, Gordon suggested that if Saylor had invested in XRP instead of Bitcoin, MicroStrategy’s cumulative gains would have doubled.

However, Cardone challenged this claim, emphasizing that MicroStrategy’s executive chairman would have faced endless lawsuits and eventually gone bankrupt if he had invested in anything other than Bitcoin.

“He already has the money and does not need to rename it to XRP,” Cardone remarked.

Why Isn’t Ripple Creating an XRP Reserve?

Meanwhile, Cardone took the conversation further by asking why Ripple has not adopted Saylor’s playbook by adding XRP to its own balance sheet. He argued that if the company truly believes the token delivers substantial returns, it should have implemented a similar XRP strategy.

Specifically, Cardone stated that if Gordon’s claim holds water, then Ripple, its stakeholders, its management team, and XRP holders are the biggest losers.

Gordon; M. Saylor would be bankrupt and have endless lawsuits had he put anything other than BTC on its balance sheet! He already had the $ he did not need to rename it to xrp.

However,
IF this hypothetical has value for consideration, the true loser is Ripple, its… https://t.co/evIsiuKfWj

— Gary Cardone (@GaryCardone) July 19, 2025

Moreover, Cardone pointed out that Ripple has yet to establish a strategic XRP reserve, despite ongoing claims about the token’s real-world value, which has attracted interest from Wall Street. In his view, Ripple’s current strategy raises questions about its confidence in XRP.

Cardone even suggested that something might be preventing Ripple from creating a strategic XRP reserve—yet no one is asking why.

“Why haven’t your leaders created a strategic XRP reserve for Ripple?” he asked.

XRP Army Reacts

Notably, this is not the first time Cardone has raised this question. Last month, he emphasized that Ripple would have created an XRP reserve if it believed the token could reach some of the widely speculated prices, such as $8,000 per coin.

He made this statement after shares of the Ethereum-focused corporate treasury company, SharpLink Gaming, plunged 73% in after-hours trading, prompting some enthusiasts to pitch XRP as a reliable reserve asset.

Cardone’s remarks highlight what some see as inconsistency among XRP and Ripple critics. They have long criticized Ripple’s control over XRP through its large escrow holdings. Yet, they simultaneously call on the company to establish a strategic reserve for the token.

Pro-XRP lawyer Bill Morgan echoed this sentiment in his response to the conversation. He said such criticisms portray Ripple as problematic for holding too much XRP, yet still demand that it hold even more.

Morgan added that XRP has consistently challenged the logic of Bitcoin maximalists and has remained among the top 10 cryptocurrencies by market capitalization.

In the meantime, several publicly listed companies, including Trident Digital, VivoPower, and Webus International, have announced plans to hold XRP as a treasury asset.