Crypto analyst Ripple Bull Winkle has presented an interpretation of XRP’s purpose that challenges common assumptions. In a recent post accompanied by a video, the analyst invites readers to reconsider the intent behind XRP’s long-standing escrow structure , arguing that its design may reveal an institutional strategy rather than a retail-focused one. This #XRP Theory Explains Everything!! pic.twitter.com/PdrR4m9JXd — Ripple Bull Winkle | Crypto Researcher (@RipBullWinkle) December 23, 2025 Escrow as Pre-Allocated Institutional Liquidity The core of Ripple Bull Winkle’s argument is that the tens of billions of XRP locked in escrow were never meant to be gradually released for open market sales to everyday investors. Instead, he suggests that this reserve could represent pre-allocated liquidity intended for banks and large financial institutions. In his view, this interpretation is supported by past public comments from Ripple’s Chief Technology Officer, David Schwartz, who has indicated that escrowed XRP could, in principle, be directed to institutions if needed. By viewing the escrow as a strategic pool of liquidity, the analyst implies that XRP’s distribution model is less about organic retail circulation and more about readiness for large-scale financial deployment. This would mean that the asset’s supply has been structured with institutional demand in mind from the beginning, positioning it for use in scenarios where immediate and deep liquidity is required. Not a Rival to Bitcoin, but a Different Tool Ripple Bull Winkle further emphasizes that XRP should not be viewed as a competitor to Bitcoin. According to his analysis, Bitcoin has increasingly taken on the role of a store of value within the digital asset space, while XRP is being shaped for a different function altogether. He presents XRP as a candidate for settlement utility, aimed at addressing inefficiencies in the existing financial system rather than serving as a long-term value reserve. In this framework, XRP’s relevance would emerge most clearly during periods of systemic stress. The analyst argues that when traditional markets face disruptions, such as liquidity freezes or failures in established settlement mechanisms, institutions will require infrastructure that is already operational. Assets designed for utility, he suggests, tend to become critical at the moment of crisis rather than during speculative upswings. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Positioning Before the Shift Another element of the theory is timing. Ripple Bull Winkle contends that by the time the general public recognizes such a shift toward utility-driven adoption , the strategic positioning by institutions may already be complete. This view reinforces the idea that XRP’s design is forward-looking, anticipating a future environment where functional settlement assets are prioritized. Overall, the message from Ripple Bull Winkle centers on utility, structure, and long-term design. By portraying XRP’s escrow as a strategic reserve for institutional liquidity and aligning its role with settlement rather than speculation, the analyst presents a narrative in which XRP’s true function may only become evident when the financial system itself is put to the test. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Researcher Says This XRP Theory Explains Everything appeared first on Times Tabloid .
