Reports indicate that Joshua Dalton, founder of Triblu, has presented a striking scenario: XRP holders could become millionaires, billionaires, or even trillionaires if the token were included in a U.S. strategic cryptocurrency reserve. Dalton argues that because XRP is linked to a U.S.-based company, it is a safer choice for a national reserve than Bitcoin. While this claim has excited parts of the crypto community, it faces significant legal and market hurdles.
Dalton’s case is built on straightforward math. With the U.S. national debt around $38 trillion and Ripple’s escrow holding roughly 34.4 billion XRP, calculations suggest XRP would need to reach approximately $883 to offset about 80% of that debt. Currently trading near $1.91, this would require a surge of over 46,000%. In comparison, Bitcoin, trading around $89,000, would need to hit about $30 million per coin to achieve a similar debt-offset goal—a gain of more than 33,000%—if the plan involved 1 million BTC, an idea previously mentioned by U.S. Senator Cynthia Lummis.
Earlier this year, President Donald Trump signed an executive order establishing a national Bitcoin reserve and a broader framework for crypto holdings. However, policymakers seem primarily focused on Bitcoin for the reserve role, with other cryptocurrencies treated as seized assets or general holdings. Importantly, Ripple’s escrow is privately controlled and bound by contracts, meaning the government could not simply take it over without lengthy legal battles. Even if U.S. authorities acquired large amounts of XRP, selling such a massive position on global markets would likely depress the price rather than boost it, as markets cannot absorb trillions of dollars without major disruption.
Wallet data shows that some XRP holders would see substantial paper gains at an $880 price. For instance, holding 10,000 XRP—currently worth about $19,100—could theoretically grow to nearly $9 million. Reports indicate 179,546 wallets hold between 5,000 and 10,000 XRP, while around 2,006 addresses hold between 500,000 and 1 million XRP. Most of the largest reserves, however, belong to Ripple, its founders, or exchanges, with only 20 wallets holding between 500 million and 1 billion XRP and six addresses holding over 1 billion.
Matthew Sigel, lead researcher at VanEck, has publicly stated that Bitcoin is better suited for large-scale fiscal applications, and many analysts remain doubtful that any single token could “solve” national debt. Meanwhile, commentators like Coach JV have pointed to 2026 as a potentially strong year for XRP’s price performance, though such outlooks are speculative and depend on factors beyond government policy, such as market demand and regulatory clarity.
Frequently Asked Questions
Frequently Asked Questions About XRP and the Trillionaire Idea
BeginnerLevel Questions
Q1 What does it mean that XRP could create trillionaires
A Its a speculative claim often made by some investors or tech founders that if the XRP cryptocurrency were to reach an extremely high price per coin early investors holding large amounts could see their net worth rise to trilliondollar levels
Q2 What is XRP
A XRP is a digital asset and cryptocurrency created by Ripple Labs Its designed for fast lowcost international payments and settlements between financial institutions though its also traded by the public on cryptocurrency exchanges
Q3 Who is the tech founder saying this
A While various proponents have made bullish claims this FAQ is inspired by public statements from figures like Brad Garlinghouse and other highprofile supporters who have discussed XRPs potential for massive valuation growth
Q4 Is this a guaranteed outcome
A No it is highly speculative and not guaranteed Its an extreme bullish prediction that depends on a vast number of uncertain factors including mass adoption regulatory clarity and market dynamics
Intermediate Market Questions
Q5 How high would XRPs price need to go to create a trillionaire
A To create a single trillionaire from XRP alone the math is extreme For example if someone held 10 billion XRP the price would need to reach 100 per XRP Currently XRP trades at a small fraction of that
Q6 What are the main arguments for this possibility
A Proponents argue that if XRP becomes the dominant global bridge currency for trillions in crossborder payments its utility and demand could drive the price up exponentially They also point to Ripples partnerships with banks and financial institutions
Q7 What are the biggest counterarguments or risks
A Major risks include ongoing legalregulatory challenges massive circulating supply of XRP competition from other cryptocurrencies and traditional systems and the sheer scale of market capitalization required
Q8 What is market capitalization and why does it matter here
A Market cap is the total value of all XRP in existence