Reports indicate that Joshua Dalton, the founder of Triblu, has proposed a bold scenario: XRP holders could potentially become millionaires, billionaires, or even trillionaires if the token were incorporated into a US strategic cryptocurrency reserve.
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Dalton posits that XRP is a more reliable candidate for a national reserve compared to Bitcoin, given its association with a US-based company. This assertion has sparked interest among certain factions of the crypto community, though it also confronts significant legal and market challenges.
Dalton’s Ambitious Argument And Numerical Evidence
Dalton’s argument is anchored in solid figures. As per reports, the US national debt stands at approximately $38 trillion, while Ripple’s escrow contains about 34.4 billion XRP. Using this data, Dalton and others assert that an XRP price of around $883 would be necessary to cover roughly 80% of that debt.
Many people won’t appreciate my following statements.
“Bitcoin cannot serve as the official currency for the United States’ reserves due to the anonymity of Satoshi Nakamoto and the potential for it to be controlled by China. The government can rely on XRP, given that it is administered by @Ripple and 💯…”
— Joshua Dalton (@J9Dalton) January 23, 2025
Currently, XRP is trading at around $1.91, implying a required surge of over 46,000% for the token. In contrast, Bitcoin is priced near $89,000 and would need to climb to approximately $30 million per coin to achieve a similar debt-offset measure if the focus were on 1 million BTC, an idea previously proposed by US Senator Cynthia Lummis. This would represent a more than 33,000% increase from present levels.
Legal And Market Constraints
Earlier this year, US President Donald Trump enacted an executive order establishing a national Bitcoin reserve and a broader crypto stockpile framework. However, it appears that policymakers are primarily concentrating on Bitcoin for the reserve function, with other cryptocurrencies considered as seizure assets or general holdings.
Significantly, Ripple’s escrow is privately managed and bound by contracts. It cannot be seized by a government without legal proceedings and extensive court battles. Even if US authorities somehow acquired substantial amounts of XRP, offloading such a position in global markets would likely lead to a price decline rather than an increase. Markets are not designed to handle trillions of dollars without significant distortion.
Holders And Potential Wealth Scenarios
Analysis of wallet data indicates that certain XRP addresses could experience substantial nominal gains at an $880 price point. For instance, an individual holding 10,000 XRP — currently valued at approximately $19,100 — could see that investment swell to nearly $9 million theoretically.
Data reveals that 179,546 wallets contain between 5,000 and 10,000 XRP, while about 2,006 addresses hold between 500,000 and 1 million XRP. Nevertheless, a majority of the largest reserves are controlled by Ripple, its founders, or various exchanges. Just 20 wallets hold between 500 million and 1 billion XRP, with six addresses containing over 1 billion.
2026 is going to be phenomenal! Count me in!
XRP will shine in 2026.
— Coach, JV (@Coachjv_) December 23, 2025
Market Responses And Expert Opinions
Matthew Sigel, the chief researcher at VanEck, has publicly stated that Bitcoin presents the most viable option for large-scale fiscal applications, while other analysts express skepticism about any single token’s ability to effectively “resolve” national debt.
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Coach JV and other pundits have shifted their focus to 2026 as a potentially rewarding year for XRP’s price developments, framing their expectations as speculative and time-sensitive. These perspectives rely mainly on market sentiment and are influenced by variables beyond government actions, such as market demand and regulatory clarity.
Featured image from Pixabay, chart from TradingView
