A Speculative Scenario for XRP and U.S. Debt
A new discussion has taken over parts of the XRP community: could the United States government actually use Ripple’s XRP to help reduce its massive national debt? It sounds like a wild headline, but several analysts and influencers have been breaking down how such a scenario might work. And the conversation keeps gaining momentum because the debt problem keeps getting bigger.
Ripple still controls a large portion of XRP that gets released from escrow over time. Some in the community believe this stash could eventually become a real national asset if the U.S. decided to take control of it or if Ripple voluntarily handed it over.
Conversations about using XRP to help the United States clear its massive national debt have recently dominated crypto circles.
— TheCryptoBasic (@thecryptobasic) November 6, 2025
While the idea sounds unlikely, several analysts and community figures have explored how Ripple’s escrow holdings could, in theory, help the government…
One researcher, Dr. Horace Drew, even suggested a hypothetical situation where Donald Trump, if returning to the White House, could seize Ripple’s escrow and place the tokens under the U.S. Treasury.
In his view, if the government then supported XRP adoption and liquidity, the value of those held tokens could rise dramatically over time.
Supporters of the idea believe RippleNet could even become a major part of the U.S. payment infrastructure, giving Ripple’s XRP a direct role inside the financial system rather than outside it.
The $500 XRP Price Target Hypothesis
Drew estimated that the escrow was once worth around $200 billion. He argued that if the government actively pushed for XRP adoption, then the price could rise high enough to turn that escrow into a tool for paying down debt.
The number he floated was $500 per XRP. If the price ever got there, he said rising value could offset massive portions of the debt automatically.
Others who joined the discussion suggested different methods. Some speculated that the government could push the price up with big capital injections, sell a portion to pay down debt, let price reset, and repeat the process again.
Even Donald Trump once made a joke about paying off the national debt with crypto. It may have been sarcasm, but the quote only helped the narrative catch fire.
Current Realities and Future Potential
Right now, Ripple holds around 35 billion XRP in escrow. At a price near $2.35, that is worth only a tiny fraction of the $38 trillion national debt.
For the escrow alone to eliminate all debt, XRP would have to trade above $1,000. Analysts agree that it is not impossible over a long timeline, but it is nowhere close today.
For now, this entire conversation is speculation. It shows how big some investors believe Ripple’s XRP could become if governments one day embrace it.
The real question is not whether XRP can erase the national debt. It is whether XRP could eventually hold a place powerful enough for people to even talk about it seriously.