A new wave of speculation has hit the XRP community as Edoardo Farina, a well-known crypto analyst and founder of Alpha Lions Academy, warns that investors may soon lose their final opportunity to buy XRP at low prices. According to Farina, once Ripple discloses the full extent of what it’s doing with its escrowed XRP, the token’s value could change drastically—potentially forever.

Farina’s recent comments have reignited debate over Ripple’s long-standing escrow arrangement, which currently holds over 37 billion XRP. He believes there’s more to the story than the public knows, and once Ripple reveals the hidden details, institutional demand could drive XRP to unprecedented levels.

XRP Price May Never Be This Low Again, Analyst Warns

At the time of writing, XRP trades around $2, hovering within a relatively tight range despite market volatility. For seasoned XRP holders, this has been a point of both frustration and opportunity. But according to Farina, the days of “cheap XRP” may soon come to an end.

In a strongly worded post, Farina warned that investors will regret missing out once Ripple reveals what it has been “hiding.” While he didn’t provide concrete evidence, his remarks have stirred fresh interest in XRP’s long-term potential.

His key argument centers on Ripple’s escrow system. XRP tokens held in escrow are governed by a transparent release schedule hardcoded into the XRP Ledger. Each month, Ripple gains access to up to 1 billion XRP, with unused tokens returning to escrow. This design was meant to ease investor concerns about potential oversupply. But Farina argues that the real story is playing out behind closed doors.

Hidden Deals, Global Institutions, and Speculation

Farina has long speculated that Ripple might have entered into off-chain agreements with major financial institutions or even government agencies, like the U.S. Treasury or the International Monetary Fund. These potential deals, if real, could involve assigning or transferring future rights to XRP held in escrow.

He suggests that non-disclosure agreements are likely preventing public discussion of these arrangements. While this remains unproven, the theory is gaining traction, particularly among those who believe Ripple is aligning itself with traditional financial systems at a deeper level.

“The public sees Ripple managing an escrow account, but doesn’t realize how it could already be integrated into future monetary systems,” Farina argued.

Ripple’s Regulatory Push Adds Fuel

Ripple’s ongoing efforts to integrate with U.S. financial infrastructure have only intensified this debate. The company has formally applied for a national bank charter and is working toward gaining access to a Federal Reserve master account—a move that would bring it into direct engagement with the U.S. banking system.

According to Farina, this is not just regulatory housekeeping. He sees these steps as part of a broader plan to position XRP as a cornerstone of future monetary infrastructure, whether for settlement, collateral, or reserve backing. If this vision becomes reality, Ripple’s escrow holdings could play a central role—and the value of XRP could rise dramatically as a result.

Final Deadline for Retail Investors?

Farina insists that retail investors have only a narrow window left to accumulate XRP before the dynamics change. If Ripple eventually confirms institutional or sovereign involvement tied to its escrow holdings, the effect on XRP’s price could be immediate and irreversible.

He refers to this as the “final deadline” for investors hoping to get in while the token is still affordable. “When Ripple tells the world what they’re really doing with that escrow, it’ll be too late to grab XRP at these levels,” he warned.

A Divisive Outlook

Despite the bold nature of Farina’s predictions, not everyone agrees. Many critics point out the speculative nature of the claims, emphasizing that there’s no hard evidence to support the theory of secret institutional deals. Others argue that if Ripple had such transformative plans, legal and regulatory requirements would force them to disclose them publicly.

Nonetheless, the theory continues to circulate within the XRP community, especially among those who believe the token’s current valuation does not reflect its true potential.

XRP’s Future Hinges on More Than Speculation

Whether or not Ripple is sitting on a major secret, one fact is clear: the company is actively working to expand its influence within the global financial system. XRP remains one of the most used digital assets in real-world payment corridors, and Ripple’s partnerships span multiple countries.

If XRP’s use case continues to evolve and regulatory clarity improves, Farina’s forecast might not seem so far-fetched after all.

Until then, the debate rages on—and XRP holders are left to decide whether now truly is the last chance to buy before a major price shift.