An escrow on the XRP Ledger holds XRP until a set time or condition. People often assume the funds move as soon as that time arrives. They do not. Nothing happens until someone sends an EscrowFinish transaction. Until then the XRP stays in the escrow.

The two times that matter

FinishAfter: from this time, the escrow can be finished and the XRP goes to the destination.

CancelAfter (optional): from this time, the escrow can be cancelled and the XRP returns to the sender.

An escrow may also have a crypto condition. It then needs the correct fulfillment as well, so reaching the time is not enough.

How to finish one

Time-based escrows can be finished by sending an EscrowFinish transaction that names the escrow's owner and sequence number. Not every wallet offers this, so check your wallet's documentation or use a reputable XRP Ledger tool.…