币界网报道：Ripple's XRP escrow ownership is facing increased scrutiny from major financial institutions, including the Bank for International Settlements (BIS), the International Monetary Fund (IMF), and the U.S. Treasury, according to recent reports. The focus centers on whether Ripple maintains sufficient control over the 48 billion XRP held in escrow, raising concerns about centralization risks in a market that values decentralization. The BIS highlighted these concerns in a June 2023 report, questioning whether Ripple's escrow mechanism aligns with broader financial stability goals. Meanwhile, the IMF and U.S. Treasury are reportedly examining the implications of Ripple's XRP holdings for global monetary systems, particularly given XRP's role in cross-border payments. Ripple has defended its escrow system, emphasizing that the locked-up XRP is released gradually to prevent market flooding, with monthly unlocks of 1 billion XRP since 2017. However, critics argue that Ripple's influence over such a large portion of XRP supply could undermine the cryptocurrency's decentralized nature. The debate comes as regulatory pressure on crypto firms intensifies, with the SEC's ongoing lawsuit against Ripple over XRP's classification as a security adding further complexity. Industry analysts suggest that the outcome of these discussions could shape future regulatory approaches to escrow mechanisms in the crypto space.