Ripple’s XRP Escrow Could Last Until 2035, Schwartz Explains

TLDR

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Ripple currently holds about 32.9 billion XRP in escrow accounts.
The company unlocks 1 billion XRP from escrow each month.
Ripple usually returns 700 million to 800 million XRP to escrow.
Current estimates place escrow depletion around 2035 to 2036.
David Schwartz said no exact depletion date can be predicted.

Ripple’s long-term XRP distribution schedule drew fresh attention after CTO Emeritus David Schwartz addressed questions about the company’s escrow timeline. Current on-chain records show Ripple controls about 32.9 billion XRP in escrow accounts. However, Schwartz said future usage decisions make any exact depletion date difficult to determine.

XRP Escrow Timeline Depends on Future Ripple Decisions

Ripple currently unlocks 1 billion XRP from escrow every month. However, the company usually returns between 700 million and 800 million XRP to escrow.

As a result, Ripple generally retains about 200 million to 300 million XRP monthly. Based on that pattern, some estimates place escrow depletion between 2035 and 2036.

An XRP community member known as Kobe recently raised the topic publicly. He compared the process to Bitcoin’s eventual completion of new coin issuance.

@JoelKatz I have a question I feel doesn’t get brought up enough. When Ripple’s escrow runs out it’s essentially the same as the final BTC being mined. Except in this case like 100 years earlier. When comparing these two scenarios wouldn’t this happen around the year 2035?

— Kobe Bryant (@Kobe2Smooth) June 6, 2026

Kobe suggested both systems involve the end of a long-running distribution mechanism. He also stated that Ripple’s escrow could reach zero much sooner than Bitcoin’s supply schedule.

Schwartz responded by questioning the certainty of those projections. He said future estimates depend on assumptions that may change over time.

“It’s difficult to predict exactly,” Schwartz explained while discussing the escrow balance. He said Ripple’s future XRP usage remains an important variable.

The former Ripple executive also highlighted escrow management decisions. He said the company could change how much XRP returns to escrow after each release.

Schwartz Explains Why Bitcoin and XRP Follow Different Models

Schwartz said Bitcoin and XRP operate under different distribution structures. Therefore, direct comparisons between both systems remain limited.

Bitcoin mining rewards gradually decline through scheduled halvings. In contrast, Ripple receives monthly XRP releases from escrow accounts.

According to Schwartz, Bitcoin relies on block rewards to support miners. Those rewards help maintain network security when transaction fees remain lower.

He explained that reduced rewards may affect miner participation over time. Some miners could pause operations until transaction fees improve profitability.

Schwartz described that possibility as periods of “bursty” mining activity. He also said Bitcoin could adopt adjustments if such conditions emerge.

Another outcome could involve higher transaction fees supporting miners. In that case, network participants could continue securing the blockchain economically.

For XRP, the escrow mechanism serves a different purpose entirely. Monthly releases provide Ripple with tokens that support company operations.

Ripple Could Continue XRP Activities After Escrow Ends

Schwartz said Ripple could still participate in the XRP ecosystem after escrow depletion. However, some operational approaches could change at that stage.

He explained that monthly releases currently provide a source of XRP. Once those releases stop, Ripple would no longer receive escrow-based distributions.

Despite that change, Ripple could continue supporting XRP-related initiatives. Schwartz indicated that the company would still maintain a role within the ecosystem.

Current XRPScan data places Ripple’s escrow holdings near 32.9 billion XRP. Meanwhile, Schwartz maintained that future business decisions will determine the eventual escrow timeline.

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