Pundit: If I Were Ripple, I Will Take These 5 Actions to Send XRP to the Moon

Ripple’s long-term management of XRP escrow continues to attract attention across the crypto market. Some analysts believe the structure may support a much larger institutional strategy that has unfolded quietly for years. A recent post from crypto pundit Digital Asset Investor (@digitalassetbuy) outlines one possible explanation.

His “If I Were Ripple Theory” describes a scenario where escrow allocations, institutional agreements, and Ripple’s growth as financial infrastructure could converge at a pivotal moment. If such a strategy exists, it could reshape the market’s overview of both Ripple and XRP.

"If I Were Ripple Theory" @bgarlinghouse
1. I would create an XRP Escrow
2. I would option parts of the escrow to institutions and/or governments for later use
3. I would make everyone assume that I owned it all and would keep XRP off my balance sheet
4. I would grow Ripple…

— Digital Asset Investor (@digitalassetbuy) March 12, 2026

The Escrow Strategy Explained

In the post, Digital Asset Investor outlined a hypothetical sequence of actions. He described a series of steps, including creating an XRP escrow.

Ripple did exactly that in 2017, when it locked 55 billion XRP in escrow accounts that release 1 billion tokens monthly. The structure created a predictable supply management while allowing Ripple to allocate XRP strategically.

The theory proposes that Ripple could “option parts of the escrow to institutions and/or governments for later use.” Under this approach, large financial entities secure future access to XRP without immediate public disclosure.

The strategy also includes allowing the public to assume Ripple controls the entire escrow supply. This structure would enable Ripple to build its business while XRP distribution gradually expands behind the scenes.

Expanding the Infrastructure

The theory places strong emphasis on long-term infrastructure development. Digital Asset Investor wrote that he would “grow Ripple into a massive infrastructure company for over a decade.” Ripple has spent years building financial technology focused on cross-border payments, liquidity services, and blockchain infrastructure.

This extended development period prepares the market before any large public disclosure regarding XRP ownership or institutional allocation.

According to the post, the final step occurs when Ripple approaches an Initial Public Offering (IPO). At that stage, the company could reveal “who owned what,” while placing its portion of XRP directly onto its balance sheet.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Why the Strategy Could Drive XRP Higher

Such an announcement during a potential IPO could elevate both the company’s valuation and XRP’s perceived utility. Digital Asset Investor wrote that the announcement would “drive the value of the company and XRP to the moon.”

The theory also aligns with persistent rumors surrounding institutional XRP deals. Some speculation suggests large entities may already hold agreements tied to XRP escrow allocations. One circulating claim references a possible 5 billion XRP arrangement involving Amazon.

This framework suggests that Ripple has spent years building this Institutional network using its escrow holdings.