How Much XRP Is Actually Available for Business Use? Top Dev Explains

• A leading XRP developer estimates that only 12–15 billion XRP are truly liquid and available for business use. 
• Most of the 100 billion supply is locked in escrow, lost, or held by long-term investors.
• As adoption grows, this limited supply could trigger a significant price surge due to rising demand.

Pro-XRP software engineer Vincent Van Code has broken down the circulating supply of XRP to reveal how much is truly usable for business applications like payments, liquidity provision, and cross-border settlements. 

While XRP has a total supply of 100 billion tokens, his analysis suggests the figure often referenced is misleading when it comes to practical liquidity.

Ripple’s Escrow and Strategic Holdings Restrict Circulation

Ripple currently holds around 35.9 billion XRP in escrow, releasing 1 billion each month. However, the company frequently relocks a large portion of that supply. It typically sends back to escrow around 800 million XRP per month, making most of it unavailable for active use. 

In addition to escrow, Ripple also holds 4.9 billion XRP outside of it for strategic purposes such as acquisitions and incentives. These tokens are not c…

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