A viral post from crypto commentator X Finance Bull has ignited discussion across financial circles after suggesting that XRP, Ripple’s native digital asset, could become the foundation of the new global monetary system in a future “financial reset.” The scenario envisions a world where gold prices soar to $4,000 per ounce, central banks accumulate massive reserves, and fear drives global markets into metals, only for a major reversal triggered by a U.S. government audit and liquidation of Fort Knox’s gold reserves. In this projection, the sudden dump of over 8,000 tons of gold floods the market, leading to a collapse in confidence and a dramatic revaluation of global assets.
XRP Emerges as the Digital Reserve in the Scenario
Following the hypothetical gold crash, the analyst describes a systemic pivot where XRP becomes the new global settlement medium. Under this vision, the U.S. Federal Reserve absorbs XRP at low market prices to underpin a new digital reserve infrastructure, routing up to $38 trillion in U.S. debt through the network. Ripple’s ISO 20022-compliant rails would form the foundation of global settlement systems, connecting central bank digital currencies (CBDCs), taxation, payroll, and defense payments through the XRP Ledger.
🚨They hoarded gold. The real play was $XRP all along 👇 Gold hits $4,000. Central banks hoard thousands of tons. The world rushes into metals as fear takes over. Then Trump audits Fort Knox… and sells it all. 8,133 tons dumped on the market. Gold crashes. Confidence… pic.twitter.com/3pWaQ7IbB1
— X Finance Bull (@Xfinancebull) October 28, 2025
“USD survives but XRP powers the system,” the post asserts, framing XRP as a bridge asset rather than a replacement for fiat currency.
Gold Out, XRP In: A Radical Shift by 2030
The long-term outlook proposed by X Finance Bull positions XRP as absorbing the global liquidity once represented by gold, claiming that by 2030, gold would be “phased out” as a monetary hedge. The projection implies that XRP’s integration into global settlement layers could result in it absorbing over $28 trillion in stored value, effectively replacing gold’s historical role as the world’s reserve asset. While speculative, the scenario aligns with broader conversations around digital transformation of finance, interoperability between CBDCs and blockchain rails, and the tokenization of real-world assets.
Community Reaction and Broader Context
The post drew strong engagement from the XRP community, often referred to as the “XRP Army”, who interpreted it as validation of their long-held belief that XRP will underpin the future global financial system. Skeptics, however, cautioned that the scenario remains highly hypothetical, with no indication of official plans for such a systemic overhaul. Still, the discussion reflects growing sentiment that blockchain-based settlement networks like RippleNet and XRPL could play an increasingly critical role as traditional systems evolve, whether or not gold ever exits the stage.
In Summary
While the narrative from X Finance Bull is speculative and dramatic, it taps into a broader theme of digital monetary evolution, one where assets like XRP are no longer fringe investments but central components of the next-generation financial infrastructure.