Could XRP Create Trillionaires? Insights from a Tech Founder

Joshua Dalton, the founder of Triblu, proposes that XRP could lead its holders to become millionaires, billionaires, or even trillionaires if it's included in a U.S. strategic cryptocurrency reserve. His perspective stems from XRP's association with a U.S.-based company, making it more reliable for national reserves compared to Bitcoin, though this idea encounters significant legal and market challenges.

Key Takeaways

Joshua Dalton believes XRP could enable vast wealth creation for its holders if used in U.S. strategic reserves.
The current U.S. national debt is approximately $38 trillion, requiring XRP prices to soar to nearly $883 to address a significant portion of that debt.
Legal obstacles surround the use of XRP for national reserves, as Ripple's escrow is controlled privately and not easily accessible by the government.
Speculative sentiments in the market point to 2026 as a potentially pivotal year for XRP trading.

XRP

The Case for XRP’s Value

Dalton's assertions are backed by detailed calculations. The U.S. national debt stands at around $38 trillion, and Ripple's escrow holds approximately 34.4 billion XRP. Based on these figures, Dalton estimates that XRP would need to rise to around $883 to cover nearly 80% of that debt.

"Many may disagree with my perspective. Bitcoin cannot serve as the official currency for U.S. reserves because Satoshi Nakamoto's identity remains unknown, raising concerns about its legitimacy as a currency controlled by China. Conversely, the government can fully trust XRP since it is managed by @Ripple."

Currently, XRP trades around $1.91, meaning it would need to appreciate over 46,000% to reach the estimated target price. By comparison, Bitcoin hovers near $89,000, requiring an extraordinary price increase to around $30 million per coin in a similar debt-offset scenario, a concept previously proposed by U.S. Senator Cynthia Lummis.

Challenges and Constraints

In early 2023, former President Donald Trump issued an executive order to establish a national Bitcoin reserve and a broader crypto reserve framework. However, the focus appears primarily on Bitcoin, relegating other cryptocurrencies to roles deemed less significant.

XRP Trading at $1.85
XRP is currently trading at approximately $1.85. (Chart: TradingView)

It's essential to recognize that Ripple's escrow is run privately under specific contracts, making it difficult for any government to take control without lengthy legal battles. Even if U.S. authorities were to acquire significant amounts of XRP, selling them in global markets could result in a drop in price due to supply overwhelm, as markets are not equipped to accommodate such massive liquidity changes.

Data from wallets shows that many XRP addresses would experience substantial nominal increases if the price reaches $880. For instance, a holder of 10,000 XRP, currently worth about $19,100, could see their stake rise to nearly $9 million on paper. Currently, there are 179,546 wallets holding between 5,000 and 10,000 XRP, while a mere 20 wallets control between 500 million and 1 billion XRP.

"2026 is going to be epic! Locked in! XRP will be the star of 2026."

Analysts like Matthew Sigel from VanEck have expressed their belief that Bitcoin remains the most suitable option for substantial fiscal use cases. Many experts remain skeptical that any one token can definitively address national debt concerns.

Sentiments surrounding 2026 have gained traction among commentators, framing it as a potentially transformative year for XRP price dynamics. These optimistic outlooks are largely driven by market sentiment, regulatory clarity, and demand factors beyond governmental influence.

Featured image from Pixabay, chart sourced from TradingView