XRP came up again after crypto commentator Vincent Van Code explained why Rippleās treasury strategy could reach far beyond standard bank transfers. His main point centered on Ripple using its existing institutional network instead of waiting for banks to fully rebuild payment infrastructure around blockchain rails.
Van Code argued Ripple already works with financial institutions and enterprise clients moving trillions of dollars each year. That gives the company direct access to treasury operations and payment corridors without forcing corporations into immediate full-scale blockchain adoption. Large companies usually move slowly when introducing new financial systems, especially when billions of dollars and compliance obligations are involved.
He also explained why enterprise blockchain payments take time to expand. Treasury departments must deal with anti-money laundering checks, counter-terror financing rules, and strict know-your-customer requirements before approving new settlement systems.
Ripple Treasury play is a lot bigger than you might think.
— Vincent Van Code (@vincent_vancode) May 5, 2026
Rather than convincing banks to use Ripple/XRPL/XRP for their client transfers, they simply do it directly with their existing clients, that's $13T in annual payments.
Now, in the world of corporate, you can't spookā¦ https://t.co/A4rq4mQqK8
Liquidity is another major issue. Blockchain payments need deep fiat and crypto liquidity pools capable of processing high-value transfers without major slippage or delays.
Van Code expects larger liquidity providers, institutional automated market makers, and permissioned XRP liquidity systems to expand through 2026. He also noted that companies outside Rippleās ecosystem could eventually use similar infrastructure once deeper liquidity and compliant blockchain settlement systems become more common across financial markets.
What you'll learn š
What Ripple Treasury Is and How It Works
Ripple Treasury started in January 2026. It is a platform for big companies to manage their money. It puts regular bank money, digital assets, and tokenized real-world assets all in one place. The platform mixes Ripple’s blockchain system with GTreasury’s tech. This helps institutions see their cash, payments, and investments on one single screen.
The system allows treasury teams to hold and transfer fiat currencies, RLUSD stablecoins, and XRP alongside tokenized investment products. Ripple Treasury also supports tokenized money market funds and treasury products tied to U.S. Treasury exposure, giving institutions direct access to blockchain-based settlement and liquidity management tools.
The biggest benefit is faster settlement. Traditional cross-border transfers can take several days because banks depend on correspondent banking networks and pre-funded foreign accounts. Ripple Treasury uses blockchain rails to complete settlement in seconds, reducing idle capital locked across multiple jurisdictions and lowering foreign exchange risk during payment processing.
The platform also supports automated treasury management through programmable liquidity tools. Companies can move excess capital into tokenized short-term yield products and redeem funds instantly when liquidity is needed. Ripple built institutional compliance tools into the system as well, including AML and KYC verification designed for regulated financial environments.
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Ripple Escrow System and XRP Supply Debate
Van Code also addressed criticism surrounding Rippleās escrow structure. Rippleās escrow system automatically unlocks 1 billion XRP each month through programmed release schedules. Many traders assume those releases flood the market with new supply, though Van Code argued the process works very differently in practice.
Ripple does not place the full unlocked amount onto public exchanges. A large portion returns to escrow, and another share moves through over-the-counter transactions tied to On-Demand Liquidity corridors and enterprise payment operations. Van Code estimated roughly 200 million XRP enters active circulation monthly through those channels, limiting direct pressure on exchange order books.
Common misunderstanding.
— Vincent Van Code (@vincent_vancode) May 5, 2026
Ripple escrow programmatically unlocks 1BN tokens each month.
Ripple then alocates this via OTC/non open market exchange trades into ODL and payment corridors. About 200M XRP each month. Circulating supply is not really affected.
The company isā¦
He also pointed out that Ripple operates with large cash reserves and does not rely entirely on XRP sales to fund operations. Ripple continues expanding institutional payment products, stablecoin infrastructure, and treasury services alongside its XRP ecosystem. Van Code argued many critics misunderstand how Ripple distributes escrowed XRP and manages enterprise liquidity operations.
What is Going on with XRP Price?
The XRP price dropped 2.83% in the last day to $1.41. It fell along with the rest of the crypto market. Bitcoin also went down after getting turned away near its 200āday average around $83,300. That caused a lot of leveraged trades to get wiped out. XRP tried to break above $1.46 but couldn’t, and that added more selling pressure.
In our last XRP weekly price prediction, we said that if the price can go back to the $1.46 to $1.50 zone, it could open the path to $1.60. And if market conditions get better,maybe even $1.90 to $2.00.
But if XRP loses support around $1.35, the next prices to watch on the way down are
$1.28 and $1.15. For now, the XRP price remains between $1.33 and $1.47.
Ripple is focusing more on institutional payment infrastructure through treasury services and enterprise settlement tools. The company is targeting faster settlement, tokenized liquidity management, and enterprise treasury operations through its existing client network.
Compliance systems and deeper liquidity pools remain critical before blockchain treasury rails scale globally. XRP still moves closely with broader crypto market conditions in the short term. More treasury usage would increase XRPās role inside Rippleās payment network.
Frequently Asked Questions
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