1 billion unlocked XRP remains untouched in Ripple wallets for 26 days

Ripple continues to hold 1 billion XRP from its scheduled October 1 escrow unlock, with the funds remaining idle in two company wallets for 26 consecutive days. On-chain data reviewed on October 27 showed that neither wallet, publicly labeled by XRPScan as Ripple 10 and Ripple 11, has recorded any outbound movements since the initial deposit.

October unlock remains in Ripple-controlled wallets

The October 1 escrow release involved four separate contracts, freeing a total of 1 billion XRP. These tokens were divided evenly between the Ripple 10 and Ripple 11 addresses, each receiving 500 million XRP. Market monitors, including Yahoo Finance, have tracked both wallets throughout the month, confirming that all unlocked XRP is still held in these accounts.

This period of inactivity is significant for traders watching XRP’s liquid supply. Tokens released from Ripple’s monthly escrow do not necessarily reach exchanges or outside parties immediately; the firm can choose to hold newly available XRP within its own wallets or redistribute them according to internal plans. On-chain tracking confirms that for October, both Ripple 10 and Ripple 11 have seen no transactions since the initial receipt.

Separate from these idle balances, records from XRP Insights indicate that 700 million XRP were returned to fresh escrow arrangements on October 1, using different Ripple-controlled accounts. These new deals established release dates stretching into 2029. As a result, the funds left untouched in Ripple 10 and Ripple 11 are distinct from the tokens assigned to ongoing escrow cycles.

Checks on the ledger showed both Ripple 10 and Ripple 11 accounts continued to hold 500 million XRP each for the full 26-day window, with no tokens moved out since the October 1 release.

Next 1 billion XRP unlock set for November

The next scheduled escrow unlock for Ripple falls on November 1, when another 1 billion XRP is expected to become accessible. According to XRP Insights, two escrow agreements owned by Ripple are set to reach their conclusion at midnight UTC, each containing 500 million XRP—mirroring the company’s typical monthly distribution.

The protocol does not automatically distribute these funds into the market. Under XRP Ledger’s EscrowFinish process, an authorized transaction is still required before any newly released tokens move to a usable state. Ripple retains the discretion to hold, transfer, or re-escrow the freed XRP after the unlock completes, so the immediate impact on circulating supply remains uncertain.

Historical data compiled by XRP Insights shows Ripple has unlocked approximately 12 billion XRP over the last 12 monthly cycles, with around 8.4 billion XRP subsequently placed back into new escrows. This means roughly 70% of freed tokens were re-locked, while 3.6 billion XRP remained outside escrow during the same period. However, past behavior does not guarantee similar allocation in the upcoming cycle.

Swell 2026 highlights Ripple’s reserve strategies

Ripple’s Swell 2026 conference kicked off in New York on October 27, drawing together banks, developers, and digital asset businesses to discuss emerging trends in blockchain payments and tokenized finance. This year, Swell runs in conjunction with Apex, Ripple’s developer-focused event, offering expanded perspectives for the XRP Ledger ecosystem.

In light of another major XRP unlock and the ongoing Swell conference, market participants are closely monitoring Ripple’s control of its token reserves. The question of whether idle reserves will enter circulation has become especially relevant, as it can influence both trading sentiment and supply expectations.

As institutional investors and developers at Swell assess protocol developments and liquidity strategies, monitoring real-time wallet balances and flows becomes critical.

The next scheduled unlock gives Ripple full authority over another 1 billion XRP, but market consequences depend on the firm’s decisions regarding storage, redistribution, or new escrow arrangements.