{"id":244320,"date":"2026-10-27T12:06:04","date_gmt":"2026-10-27T12:06:04","guid":{"rendered":"https:\/\/mycryptomania.com\/?p=244320"},"modified":"2026-10-27T12:06:04","modified_gmt":"2026-10-27T12:06:04","slug":"ripple-leaves-octobers-1-billion-xrp-unlock-untouched-for-26-days-will-swell-week-change-that","status":"publish","type":"post","link":"https:\/\/mycryptomania.com\/?p=244320","title":{"rendered":"Ripple Leaves October\u2019s 1 Billion XRP Unlock Untouched for 26 Days: Will Swell Week Change That?"},"content":{"rendered":"

Ripple opened Swell 2026 in New York on Tuesday, October 27, a day after winning final OCC approval for its national trust bank, while the 1 billion XRP it unlocked from escrow on October 1 has still not left its wallets. That last part is the XRP Ripple story most of this week\u2019s coverage misses.<\/p>\n

For a token that has lost 15.8% in a month, a billion coins sitting still is worth a closer look. XRP trades at $1.29, up 0.3% in 24 hours, on $1.35 billion in volume.<\/p>\n

So who is moving XRP ahead of Swell, and who isn\u2019t?<\/p>\n

XRP Whales Now Control Most Supply Since 2022<\/p>\n

Wallets holding at least 10M XRP now control 46.87B tokens. That represents roughly 68.5% of XRP\u2019s supply, the highest share held by this group since November 2022.<\/p>\n

The key signal is that these massive holders have kept\u2026 pic.twitter.com\/YOvZB3pT08<\/a><\/p>\n

\u2014 Santiment Intelligence (@SantimentData) October 26, 2026<\/a><\/p>\n\n

Latest XRP Ripple News: What Did Ripple Announce This Week?<\/h2>\n

A bank charter and a yield product for corporate cash, and neither one uses XRP directly.<\/p>\n

The bank:<\/strong> the Office of the Comptroller of the Currency gave Ripple final approval on Monday to open Ripple National Trust Bank. Ripple\u2019s announcement<\/a> says it will hold the reserves behind the RLUSD stablecoin and keep digital assets in custody for institutions. It won\u2019t take deposits or make loans.
\nThe yield product:<\/strong> Ripple Treasury, the corporate software built on the $1 billion GTreasury deal, launched 24\/7 Returns on the same day. It lets eligible companies earn a return on RLUSD while banks are shut. Ripple gave no rate, and the release doesn\u2019t mention XRP once.
\nThe stage:<\/strong> Swell runs October 27\u201329 at The Shed in Hudson Yards, and Ripple\u2019s event page<\/a> says it has folded its Apex developer event into Swell for the first time.<\/p>\n

CEO Brad Garlinghouse framed the charter as proof that crypto and banks work better together.<\/p>\n

Big news heading into @RippleSwell<\/a>: the @USOCC<\/a> has granted final approval for Ripple National Trust Bank.<\/p>\n

This gives Ripple a federally supervised platform to support $RLUSD<\/a> and provide digital asset custody to enterprises.<\/p>\n

We\u2019ve always said crypto and banks work better\u2026<\/p>\n

\u2014 Brad Garlinghouse (@bgarlinghouse) October 26, 2026<\/a><\/p>\n\n

DISCOVER: XRP Takes Over NYC Subways Ahead of Ripple Swell 2026 as Price Faces Key Tests<\/a><\/strong><\/p>\n

What Does XRP On-Chain Data Show Before Swell?<\/h2>\n

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