Why locking up of XRP will increase the price exponentially!
Currently Ripple is selling XRP to Banks and FI privately at a discounted rate.
If the remaining XRPs were to be lock up. This "early bird discounts" will end.
The supply of XRP will be cut and the new joiners (Banks and FI) will have to get it either from the market, the early adopters or buy it from Ripple who only has only max 1 billion coins per month on hand.
Therefore, if the lock up happens end of this year and if Ripple network continue to grow at this rate, we should be able to see an exponential growth next year!
This is just my analysis, I would love to hear your take on this in the comments.