After the White House released the latest digital asset report—and U.S. cryptocurrency expert David Sacks spoke out—speculation surged. A wave of users fully believe that a digital dollar could run on Ripple's XRP Ledger, citing the company's stablecoin development progress and key alliances as evidence.
Speculation Heats Up: Could the USD Rise Thanks to Ripple?
Recently, this idea has garnered increasing interest among cryptocurrency enthusiasts, particularly in the XRP community, and even more so in the XRP community, where there are many discussions about whether Ripple's RLUSD stablecoin could serve as a substitute for central bank digital currency, or CBDC.
"It is said that stablecoins are only for fast payments," X account Pumpius wrote. "But a transaction volume of over $700 billion/month is not just a rumor from individual investors; it’s an implicit liquidity test from institutions. Ripple's RLUSD on the XRP Ledger is about compliance data treasury, on-chain... not 'USD cryptocurrency'. And that changes everything," Pumpius added.
Speculation about the alleged connection between XRP and the government and banks is increasingly widespread. A commonly cited example is a report from the U.S. Department of Homeland Security (DHS) from years ago, which stated: "It is likely that in the near future, a currency-independent peer-to-peer (P2P) remittance mechanism like Ripple will be used to access the U.S. dollar rather than a cryptocurrency like Bitcoin."
However, official channels still oppose the idea of a U.S. CBDC operating on XRP. The Federal Reserve has yet to make any decision regarding the launch of a CBDC and has not mentioned Ripple or XRP in any of its research efforts. Meanwhile, RLUSD is a privately issued stablecoin—not an officially recognized digital dollar. That hasn’t stopped communities on X from maintaining this theory through countless threads and reposts.
Discussions on Reddit highlight utility and applicability as driving forces behind value, with users believing that XRP will become a reserve currency in a new financial system. Influencers and YouTube videos amplify this, with claims that XRP is 'digital gold' or will bridge trillions. Ultimately, this belief persists due to a combination of optimism, carefully curated information, and the power of community echo—despite no confirmation from any official U.S. sources.
Topics and theories may trend, but illusions cannot turn stablecoins into national currencies—no matter how large the XRP army is. The reality is, right now, the digital dollar is not in Ripple's inbox. Without backing from the federal government or regulatory clarity, for many observers, RLUSD is still just another stablecoin chasing popularity. If XRP becomes the backbone of global finance, it will not be due to influencers on X, YouTube, or Reddit proclaiming it as destiny.