Pundit Urges XRP Holders: Don’t Sell Your XRP Right Now. Here’s why

At a moment when many digital asset holders are reassessing positions amid regulatory uncertainty, a recent commentary from crypto enthusiast X Finance Bull has placed renewed attention on XRP’s long-term supply structure rather than its short-term price action.

The central argument presented is that current market anxiety may be misaligned with what is expected to unfold on the regulatory and institutional front, particularly in relation to U.S. legislation and Ripple’s escrowed XRP holdings.

Rather than framing the situation as a speculative price call, the commentary urges holders to consider the structural implications of pending regulation and how that framework could redefine perceptions around XRP supply once clarity is established.

$XRP HOLDERS 🚨🚨🚨 If you’re thinking about selling your $XRP right now, THINK AGAIN!

Remember this? Brad Garlinghouse confirmed the CLARITY Act is expected in early 2026.

That’s not a maybe. That’s a countdown.

And when it passes, Ripple will be forced to declare the fate of…

— X Finance Bull (@Xfinancebull) December 15, 2025

Regulatory Timelines and the Clarity Act

A key element of the analysis references remarks made by Ripple CEO Brad Garlinghouse regarding U.S. crypto legislation commonly referred to as the Clarity Act.

In the attached video, Garlinghouse stated that while passage is unlikely within the current year, he expects legislation to advance in the first half of the following year. He further noted that this regulatory progress is anticipated to create additional tailwinds for the broader digital asset industry.

X Finance Bull interprets these comments as a confirmation that regulatory clarity is not hypothetical but time-bound. The emphasis is on expectation rather than speculation, with the legislation framed as a known milestone that will require subsequent disclosures and operational decisions from major industry participants.

Escrowed XRP and Institutional Allocation

The commentary places particular weight on the 34 to 38 billion XRP currently held in escrow. According to the interpretation presented, once regulatory clarity is achieved, Ripple will be compelled to outline the intended role of this supply. The argument rejects the notion that these holdings represent future sell pressure entering open markets.

Instead, the claim is that this XRP is expected to be pre-allocated for institutional use cases, including bank settlement corridors, sovereign payment rails, and global liquidity infrastructure tied to cross-border settlement systems. In this view, the escrowed XRP is positioned as functional liquidity designated for structured deployment rather than discretionary distribution.

From Market Fear to Locked Liquidity

X Finance Bull’s assessment suggests that prevailing investor concerns focus on a potential selloff that may never materialize. The argument reframes the escrow as reserved liquidity intended to support financial plumbing rather than speculative trading.

Once an official escrow roadmap is disclosed, the expectation outlined is that market repricing would reflect demand generated by institutional absorption rather than retail speculation.

The conclusion presented is that XRP’s valuation dynamics could shift rapidly once regulatory certainty forces transparency around escrow usage. In this framework, the emphasis shifts away from short-term volatility and toward the role of XRP within regulated financial systems, where liquidity allocation, rather than open-market selling, becomes the defining factor.