An artificial intelligence price model suggests that XRP could trade significantly higher by the time Ripple completes the release of all tokens currently held in escrow.
Notably, Ripple’s escrow system has no fixed end date because most tokens released each month are relocked.
The total XRP supply is capped at 100 billion, and in 2017, Ripple placed 55 billion XRP in escrow, releasing up to 1 billion tokens monthly to ensure supply transparency.
In practice, Ripple uses only about 200–300 million XRP per month for liquidity, partnerships, and ecosystem growth, while roughly 700 million are returned to new escrow contracts.
As of mid-March 2026, about 33.6 billion XRP remain locked in escrow, with roughly 66 billion in circulation. At the current net release pace of 200–300 million XRP per month, the remaining escrow could take about nine to 14 years to deplete, placing a potential completion window between 2035 and 2040.
XRP price prediction
To determine XRP’s price once the unlock is finished, Finbold turned to OpenAI’s ChatGPT, which shared several scenarios for the price.
The model noted that when escrow distributions are eventually exhausted, and circulating supply approaches the full 100 billion tokens, valuation will depend primarily on the overall market capitalisation achieved by the network.
ChatGPT suggested that if XRP’s market capitalization reaches about $150 billion by the time the escrow process ends, the asset would trade near $1.50, assuming the full supply is circulating.
Under a moderate growth scenario where adoption of XRP-based liquidity and cross-border settlement expands, a market capitalization of around $400 billion would place the price close to $4.
A stronger institutional adoption scenario could push the network valuation toward $800 billion, which would translate to an XRP price of roughly $8 with a 100 billion token supply.
In a more aggressive scenario where XRP evolves into a widely used global settlement network, the market capitalization could approach $1.5 trillion, implying a price near $15.
Based on these projections, the AI model estimates a realistic midpoint price range for XRP of $4 to $8 by the time escrow tokens are fully unlocked, assuming steady adoption and broader cryptocurrency market growth.
However, the end of the escrow program itself is unlikely to trigger a sudden price surge since the supply schedule is transparent and largely priced into the market.
Instead, long-term valuation will depend on institutional liquidity demand, the expansion of cross-border payment infrastructure, regulatory clarity for digital assets, and overall growth of the global cryptocurrency market.
XRP price analysis
By press time, XRP was trading at $1.47, having rallied over 4% in the past 24 hours, while on the weekly timeline, the token is up 9%.
Indeed, XRP has shown a strong rebound in the past day in tandem with broader market sentiment after days of consolidation. As things stand, the asset’s next major target remains reclaiming the $1.50 resistance.
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