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Bitwise Dogecoin ETF to Go Live on November 26 After Filing Update

Zabi
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Bitwise Dogecoin ETF to Go Live on November 26 After Filing Update

Bitwise Asset Management has updated its regulatory filing for its spot Dogecoin ETF, clearing the way for a launch before the end of November.

In a post on X (formerly Twitter), Bloomberg ETF analyst Eric Balchunas stated that Bitwise removed a “delaying amendment” from its S-1 registration.

This adjustment activates a 20-day automatic approval period under Section 8(a) of the Securities Act. Consequently, the ETF may take effect without explicit approval from the SEC unless the agency elects to intervene.

Earliest Possible Launch: Late November

If the SEC does not halt the process, Bitwise’s Dogecoin ETF will become effective around November 26, 2025. Although this route is unusual, it remains a legally permissible strategy.

Balchunas described the approach as a way of “letting the clock run,” reflecting Bitwise’s confidence that the SEC is unlikely to act against the filing within the 20-day window.

ETF Structure and Custody Details

The proposed ETF will directly hold Dogecoin (DOGE) as its underlying asset. Coinbase Custody will serve as the crypto custodian, while BNY Mellon will manage the ETF’s cash holdings.

The fund will track the CF Dogecoin-Dollar Settlement Price, offering investors exposure to DOGE’s spot market performance. The ticker symbol and management fee have not been disclosed so far. However, the ETF will list on NYSE Arca, a major exchange for crypto funds.

Rising Interest in Dogecoin-Based Products

Bitwise’s progress follows the launch of the REX-Osprey DOGE ETF in September 2025. Bloomberg analysts currently estimate a 90% or higher likelihood that multiple Dogecoin ETFs could begin trading by the end of this year.

They cite the SEC’s increasing openness toward digital asset funds and recent approvals of single-asset crypto products as supporting factors.

Market Impact and Current DOGE Performance

Despite the promising ETF developments, the Dogecoin price has weakened in recent days. The token has fallen 11% over the past week, currently trading at $0.1658 after a modest daily dip.

Market observers note that regulatory progress is positive for long-term adoption. Nonetheless, near-term price trends continue to reflect broader volatility in the crypto sector.

Cathie Wood Lowers Bitcoin 2030 Price Target to $1.2 Million

Zabi
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Cathie Wood Lowers Bitcoin 2030 Price Target to $1.2 Million

Cathie Wood, founder and CEO of ARK Invest, has revised her long-term outlook for Bitcoin, lowering her 2030 price target by $300,000.

Specifically, Wood now expects the world’s largest cryptocurrency to reach about $1.2 million, as opposed to her earlier prediction of $1.5 million.

Speaking to CNBC, Wood explained that the rapid adoption of stablecoins in developing economies is transforming the use of digital assets.

“Stablecoins are taking on a role we once thought Bitcoin would fill,” she said, noting that this shift reflects a changing landscape in global finance.

Stablecoins Surge Ahead in Developing Economies

According to Wood, stablecoins are expanding faster than expected, particularly in regions experiencing inflation and currency volatility. Indeed, these dollar-pegged tokens have become a convenient and stable alternative to local currencies, providing users with a way to store value without the volatility of Bitcoin or traditional fiat systems.

Wood said stablecoins’ rise has prompted her to reduce Bitcoin’s upside potential. However, she still views Bitcoin as an essential part of the digital economy.

Bitcoin Still a Global Store of Value

Despite lowering her forecast, Wood emphasized that her confidence in Bitcoin remains strong. She described it as a global, decentralized monetary network that functions as a digital store of value similar to gold.

At the same time, she noted that stablecoins and Bitcoin serve distinct purposes. Whereas stablecoins are essentially “tokenized cash,” Bitcoin continues to represent a scarce, non-sovereign asset for long-term preservation of wealth.

Emerging Markets Embrace Stablecoins

Moreover, a report by Standard Chartered Bank supports Wood’s observation. The bank estimates that over $1 trillion could flow from traditional banks into stablecoins by 2028, particularly in emerging markets.

For instance, in countries such as Venezuela and Argentina, where inflation and capital controls erode savings, US dollar-pegged stablecoins like Tether (USDT) have become a popular refuge. They allow residents to safeguard purchasing power and transact in a stable currency without relying on local banks.

Venezuela’s Inflation Crisis Drives Adoption

Furthermore, the International Monetary Fund (IMF) reports that Venezuela’s inflation rate surged to 269% in 2025. This significant increase has further undermined the value of the Bolivar. Consequently, millions of Venezuelans have turned to stablecoins to hold savings and conduct everyday transactions.

In addition, reports from 2024 indicated that the Venezuelan government used stablecoins to circumvent US sanctions and continue oil trading, illustrating how digital currencies are reshaping financial strategies under economic pressure.

Bitcoin Faces Market Correction

Meanwhile, the Bitcoin price has recently come under pressure. Earlier this week, it fell below $100,000 for the first time since May, amid a broader sell-off in risk assets. The cryptocurrency last traded around $102,250, reflecting a 7% weekly decline.

Here’s What 5,000 XRP Costs Today and What it Could Be Worth in 2035

Abdulkarim Abdulwahab
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Here’s What 5,000 XRP Costs Today and What it Could Be Worth in 2035

With so much bullish news in the XRP community, many investors have high hopes for the coin’s future price. 

Influential voices in the community have painted pictures of a future where holding a modest amount, like 5,000 XRP, could lead to life-changing gains in the coming years.

Amid this optimism, this article explores the potential worth of 5,000 XRP by 2035, just ten years from now.

Cost of 5,000 XRP Today

As of today, 5,000 XRP can be purchased for about $11,500, with XRP trading at $2.30 per coin. Interestingly, just a year ago, the same 5,000 XRP sold for around $2,500, a nearly fivefold increase in one year.

Meanwhile, today’s price is still a significant discount from just a few months ago. In July, XRP traded as high as $3.66, meaning it would have cost nearly $20,000 to buy 5,000 tokens then. At its current price, XRP is trading about 37% below that peak.

Analysts argue that whether one buys XRP at $2 or $3 is irrelevant in the long run. Looking back a few years from now, that small price difference will hardly matter. 

This suggests a future where XRP’s price could be so high that today’s differences become meaningless, much like what happened with Bitcoin.

Bitcoin now trades above $100,000, but it once sold for just $0.05. For early investors, whether they bought at $0.05 or $1 makes little difference today.

This leads to the big question: How far can XRP go?

Cost of 5,000 XRP by 2035

Predicting how high XRP can rise is uncertain, but Bitcoin’s example continues to fuel optimism. Various industry commentators have issued long-term price projections.

The Changelly exchange suggested in a detailed report that XRP could reach as high as $115 by December 2034. This represents a 5,000% gain from today’s price.

In this scenario, 5,000 XRP purchased for $11,500 today could be worth about $575,000, or over half a million dollars.

Meanwhile, Telegaon offers a more conservative outlook, suggesting XRP could reach $87 per coin by 2035. That would value 5,000 XRP at $435,000, still a remarkable return in ten years.

Interestingly, some prominent figures in the crypto community have shared even more ambitious predictions for XRP’s long-term potential.

For example, Matthew Brienen, Chief Operating Officer at CryptoCharged, predicted that XRP could reach $1,000 by 2035 in a viral video discussing XRP’s role in global payments.

If that projection proves accurate, 5,000 XRP would be worth an astounding $5 million. Indeed, this is a life-changing sum for many and potentially enough to fund retirement.

Can XRP Reach $1,000+ in Ten Years?

Changelly, however, believes it may take a bit longer for XRP to reach such heights. The exchange noted that XRP could trade as high as $2,138 by 2040—five years beyond 2035. Remarkably, at that price, 5,000 XRP would be worth over $10.6 million.

While the exact future of XRP price remains uncertain, the overall sentiment within the crypto community is that the coin could trade much higher than it does today. This growing anticipation has led many to view XRP as undervalued at its current price.

Top Developer Says XRP Could Go to $5,000 “That Quickly”

Abdulkarim Abdulwahab
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Top Developer Says XRP Could Go to $5,000 “That Quickly”

XRP community figure and software engineer Vincent Van Code has ignited fresh excitement among XRP holders with a highly optimistic outlook.

In a tweet, Van Code suggested that XRP could one day reach $5,000 per coin “that quickly.”

His comment came in a satirical dialogue imagining a future where veterans regret ignoring XRP during its low-price era. The post read:

“Imagine explaining to your grandkids why you did not buy XRP at $0.5 … who thought it could go to $5,000 that quickly?”

Lesson on Missed Opportunities

Van Code’s narrative painted a picture of missed financial opportunities, contrasting the hypothetical regret of not buying XRP at $0.5 with the coin’s future value.

It suggests that while the days of buying XRP at $0.5 may have passed, the current price of $2.28 is still a favorable entry compared to what it could be worth in the years to come, enough to cause regret for today’s investors who ignore it.

Proponents of this view often take inspiration from the Bitcoin story. Bitcoin, trading over $114,000 per coin today, actually sold for $0.05 back in 2010. Some of those who got in early sold it for pennies. The most prominent example in history is the one who exchanged 10,000 BTC for just pizzas in 2010.

Had that deal not happened and the coins remained intact today, those same 10,000 BTC would be worth over $1.14 billion. This extraordinary financial miss continues to be a cautionary tale in the crypto community.

Now, XRP proponents like Van Code believe a similar future awaits those sleeping on XRP today.

“Don’t Be That Grandpappa”

For a coin that trades around $2.6 today, he forecasts a $5,000 price, which would require a growth of 192,207%.

To visualize it better, one holding 20,000 XRP could see their portfolio rise to $100 million if 1 XRP reaches $5,000. Meanwhile, buying 20,000 XRP today costs a little over $50,000. A year ago, it cost around $10,000.

Such potential gains could indeed cause regret for those who had the opportunity to enter earlier but failed to do so—just like the pizza man, who the Bitcoin community celebrates every year.

Accordingly, Van Code closed his post with the message: “Don’t be that Grandpappa,” urging the financial community to seize the current window.

When Can XRP Reach $5,000 Per Coin?

However, many dismiss lofty prices like the $5,000 target as out of touch with reality due to the market cap implications. XRP proponents argue that no price is unrealistic; what may be unrealistic is the timeline.

Currently, very few studies have suggested how long it could take XRP to reach $5,000. The farthest outlook, 2050, comes from Changelly’s analysis, which suggests XRP could reach $3,152 by then.

In other words, it could take three decades for XRP to approach a $5,000 price, which subtly aligns with the scenario Van Code painted.

Helius CEO Says He’ll Shave his Head with a Pencil Sharpener if Solana Doesn’t Flip XRP

Sam Wisdom Raphael
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Helius CEO Says He’ll Shave his Head with a Pencil Sharpener if Solana Doesn’t Flip XRP

Mert Mumtaz, the CEO of the Solana-based tool Helius, has expressed confidence that Solana will eventually overtake XRP in market cap.

Mumtaz made the recent commentary despite SOL’s steeper decline on the back of the market-wide crash, with the altcoin collapsing 15.4% over the past week. This drop makes Solana the biggest loser among the top 30 assets by market cap over a 7-day timeframe.

Helius CEO Insists SOL Will Flip XRP

Meanwhile, XRP has held up better than most, seeing a 9% drop within the same period. With this performance, XRP, which now sits third among the largest non-stablecoin assets, has displayed better resilience than Ethereum (-12.83%), BNB (-11.08%), and Cardano (-11.45%). 

Nonetheless, Mumtaz believes Solana could recover to eventually displace XRP and claim the third spot, recently presenting a humorous challenge to express his confidence in this prediction. According to him, if Solana does not flip XRP, he will use a pencil sharpener to shave his head for up to a month. 

 

While the challenge itself takes a sarcastic tone, Mumtaz’s projection reflects his strong confidence in the Solana ecosystem, in which he built his infrastructure tool Helius. The crypto commentator has repeatedly suggested that Solana and Zcash (ZEC) could overtake XRP.

In one instance, Mumtaz, who is also a Zcash proponent, noted that while he may not be able to predict short-term moves, he remains confident that ZEC will flip XRP “no matter what.” According to him, XRP is 26x larger, but the community should “shield, forget, and build.”

How High Solana Must Rise to Flip XRP

At press time, XRP trades for $2.22 with a market cap of over $133 billion. Due to its greater resilience amid the ongoing market onslaught, XRP has now reclaimed the third spot among the largest non-stables, overtaking BNB, but still below Tether (USDT). 

Notably, after recovering from the FTX dump, Solana overtook XRP in December 2023 and remained above it for nearly a year until XRP skyrocketed during the November 2024 rally. Since then, XRP has maintained a position above SOL.

Currently, Solana, which changes hands at $156, boasts a market cap of $86.6 billion. For Solana to eventually flip XRP again, it must add $46.4 billion to its market cap. To put things into perspective, SOL only added $52.54 billion to its valuation throughout the 2021 bull run despite surging 74,628% that year.

In addition, during the Q4 2024 rally on the back of the U.S. elections, Solana’s market cap grew by $19.11 billion. This year, SOL has shed $4.42 billion from its market cap. Notably, this puts some perspective on how far the journey to flip XRP may be for Solana, which currently sits as the fifth-largest non-stablecoin asset.

For Solana to surge to the $133 billion valuation mark, its price would need to increase to $240.3. This represents a mere 54% rise from the current price. SOL last saw this price as early as September 2025. However, the challenge for Solana lies in the fact that XRP may likely soar beyond the $133 billion mark in a situation where SOL observes such gains.

Spanish Research Institute to Sell 97 Bitcoin Bought for $10K in 2012

Zabi
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Spanish Research Institute to Sell 97 Bitcoin Bought for $10K in 2012

The Institute of Technology and Renewable Energies (ITER), a public research body under the Tenerife Island Council, is preparing to sell its decade-old Bitcoin holdings, according to Spanish outlet El Día.

ITER reportedly acquired 97 Bitcoin in 2012 for roughly $10,000 as part of a blockchain research project. The purchase was originally meant to explore the technical foundations of digital currencies rather than serve as an investment.

Thirteen years later, with Bitcoin trading near $103,200, the holdings are now worth over $10 million. This outcome constitutes an extraordinary return on what was initially a modest research expenditure.

Earlier in October, Bitcoin briefly reached an all-time high of approximately $126,000. At that valuation, the same holdings were worth over $12 million, according to data from CoinMarketCap.

Sale Process Underway with Regulated Financial Partner

Tenerife’s innovation councillor, Juan José Martínez, told El Día that a Spanish financial institution, authorized by both the National Securities Market Commission (CNMV) and the Bank of Spain, will coordinate the sale.

Martínez noted that the process is currently underway. Nevertheless, European banks’ reluctance to engage with Bitcoin, owing to regulatory constraints and price volatility, has complicated matters. He expects the sale to conclude within the coming months.

Funds Will Support Quantum and Emerging Tech Research

The council plans to reinvest the proceeds from the sale into ITER’s scientific programs, particularly those focused on quantum technology and advanced research.

Martínez emphasized that the 2012 Bitcoin acquisition was purely academic, part of ITER’s broader mission to experiment with emerging technologies. The unexpected profits, he said, will now help the institute strengthen its innovation infrastructure.

Crypto Developments in the Spanish Banking Sector

In August, Spanish banking leader BBVA collaborated with Binance to serve as an independent custodian for user funds backed by U.S. Treasury securities.

The move followed BBVA’s guidance to its private banking clients, recommending they allocate 3% to 7% of their portfolios to cryptocurrencies, including Bitcoin.

TechCrunch Founder Says That Ripple Is Only Worth Its XRP Holdings Lack “Reality Check”

Abdulkarim Abdulwahab
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TechCrunch Founder Says That Ripple Is Only Worth Its XRP Holdings Lack “Reality Check”

A controversy has erupted in the XRP community around Ripple’s newly announced $500 million raise at a $40 billion valuation.

Specifically, Unchained reported that some outside venture capitalists believe Ripple is worth little beyond its XRP holdings. The criticism sparked a strong rebuttal from the XRP community.

TechCrunch founder and Arrington Capital chief Michael Arrington argued that the anti-Ripple narrative relies on “stunning amounts of cognitive dissonance.”

VC Skepticism: Ripple Valuation “All About the XRP”

For context, Unchained’s Laura Shin, citing editor Steven Ehrlich, shared comments from multiple VCs who argued that Ripple’s valuation is primarily tied to its large XRP reserves, not its technology.

According to the report, one prominent venture capitalist said, “Ripple is not worth anything outside of XRP holdings. No one uses their tech.”

Another added, “Ripple equity is not likely worth very much on its own, certainly not $40 billion.”

Furthermore, anonymous investors reportedly told Unchained that participating firms may have been attracted by the opportunity to gain indirect exposure to Ripple’s XRP holdings — possibly at an implied discount to spot prices — rather than betting on Ripple’s product success.

A former Ripple employee also noted that the round helps the company avoid selling XRP to fund acquisitions, preserves market confidence, and locks in the $40 billion valuation previously reflected in secondary markets, such as Carta.

The report framed Ripple as paradoxically “cash-poor” despite being one of the best-capitalized entities in crypto.

“Cognitive Dissonance” in Anti-Ripple Narrative

Meanwhile, Michael Arrington pushed back on the VCs’ claims. Responding to Shin’s post, Arrington wrote that the idea Ripple is valuable only because of its XRP holdings, paired with the view that XRP itself is worthless, requires an extraordinary disconnect.

He stressed that dismissing both Ripple’s valuation and XRP’s relevance simultaneously ignores the company’s real-world expansion, institutional traction, and strategic alignment around a digital asset that remains central to its ecosystem.

Arrington suggested critics are downplaying the agency of XRP holders and overlooking the tangible progress Ripple has made across key financial and regulatory sectors.

Institutional Investors Are Betting on Ripple’s Larger Vision

Interestingly, the tension arises at a moment when Ripple is undergoing its most aggressive expansion ever. The company has completed six acquisitions in just over two years, including Hidden Road, GTreasury, Metaco, Palisade, and Rail.

During this time, it has launched RLUSD, its USD-backed stablecoin, and entered institutional custody, treasury, brokerage, and liquidity markets. Ripple has also secured involvement with major payment networks such as Mastercard.

The strategic investors in the round, including Citadel Securities, Pantera Capital, Brevan Howard, Galaxy Digital, Fortress Investment Group, and Marshall Wace, declined to comment on whether XRP holdings influenced their decisions. 

Meanwhile, a source close to one participant told Unchained that these firms already have long-standing business relationships with Ripple. Accordingly, they are backing multiple winners in a fast-evolving, regulated stablecoin economy shaped by the newly enacted GENIUS Act.

The source added that even if Ripple’s product roadmap faced challenges, the company’s massive treasury would still allow it to “buy another company” and keep expanding.

Large Whale Shorts XRP with $20,000,000+ on Hyperliquid

Sam Wisdom Raphael
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Large Whale Shorts XRP with $20,000,000+ on Hyperliquid

A large crypto whale has opened a massive XRP short trade worth over $20 million on Hyperliquid despite the improving market conditions.

Market surveillance resource Lookonchain first called attention to the trade, which began after the whale created a new wallet and moved $7 million worth of USDC to the leading decentralized exchange (DEX) platform Hyperliquid today.

The move comes at a time when XRP and the broader market have met resistance to the ongoing recovery push. For context, after collapsing over 13% to a low of $2.06 on Nov. 4, XRP rebounded the next day, gaining 6.27% and extending the uptick, as it hit a high of $2.41 earlier today.

However, XRP faced resistance at this $2.41 level, with Bitcoin also seeing a similar roadblock around $104,187. Now, both tokens have seen considerable declines, and the Hyperliquid whale believes the downtrend could continue, opening short positions for BTC and XRP worth a combined $136.35 million.

Onchain data shows that he opened the XRP position ($20.35 million) when XRP changed hands at $2.30, with the BTC position ($116 million) having an entry price of $103,012. Both positions hold a 20x leverage, with the whale using a cross-margin technique to offset losses from any trade with profits from the other.

Short Bitcoin and XRP Positions on Hyperliquid
Short Bitcoin and XRP Positions on Hyperliquid

As of press time, he is seeing gains on his XRP position, but losses on the BTC position. Specifically, with Bitcoin currently changing hands at $103,055, the whale is nursing mild losses of $47,566. Meanwhile, as XRP trades for $2.28, he is observing a profit of $129,838. 

Short XRP Position Appears Safe

Notably, the liquidation price for the XRP position rests at $2.845, nearly a 25% increase. The last time XRP saw this price was on Oct. 9, putting the trade in a relatively safe position unless market conditions flip quickly. Meanwhile, the liquidation price for the BTC position sits at $107,490, just a 4.3% rise. Bitcoin last saw this price as early as three days ago.

Lookonchain found that the individual behind that trade has a knack for gambling, with persistent transfers to gambling platforms such as Stake. 

While his BTC trade may be in a critical position, the XRP trade appears safe at the current price. This aligns with recent commentaries from market analysts, who have suggested that XRP could correct further from here before recovering. For instance, Income Sharks claimed that those who missed the chance to buy XRP below $2 could soon get another opportunity.

Notably, XRP has been a subject of multiple short trades in the past, especially during market uncertainties. In one instance, a trader opened short positions for XRP and BTC worth a combined $157 million on Sept. 26, only to face partial liquidation three days later. Interestingly, the trader doubled down with another $17.6 million worth of short XRP position, using 20x leverage.

Ripple CEO Says This Investment Validates Ripple’s Growth Strategy Based on XRP

Abdulkarim Abdulwahab
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Ripple CEO Says This Investment Validates Ripple’s Growth Strategy Based on XRP

Ripple CEO Brad Garlinghouse has said the company’s new $500 million investment shows confidence in its long-term growth plan centered on the XRP ecosystem.

His comments come as Ripple closes one of its largest funding rounds to date, pushing its valuation to $40 billion during the Swell 2025 conference.

Garlinghouse: A Bet on XRP-Centered Future

Reacting to the investment, Garlinghouse said 2025 has been an outstanding year for Ripple and crypto in general. He highlighted that the raise confirms investor confidence in a business model “built on the foundation of XRP” and signals a clear bet on how crypto infrastructure is evolving.

 

The round included participation from major financial institutions such as Galaxy Digital, Fortress Investment Group, Brevan Howard, Citadel Securities, Pantera Capital, and Marshall Wace.

Ripple’s Record Expansion

Notably, the comments align with Ripple’s messaging throughout the year. The firm has reiterated that despite expanding into new sectors, XRP remains at the core of its roadmap.

Ripple’s acquisitions, including Hidden Road ($1.25B), GTreasury ($1B), Metaco ($250M), Palisade, and Rail ($200M), have widened its product suite into stablecoins, custody, prime brokerage, settlement, and institutional treasury operations.

Yet Ripple maintains that XRP remains at the center of its liquidity, collateral, and settlement architecture. During Swell, Garlinghouse reaffirmed this in even stronger terms, calling XRP Ripple’s “heart, soul, and north star.”

The commentary alleviates community concerns that RLUSD and its multi-chain deployment might overshadow XRP’s relevance.

Institutional Moves and XRP’s Expanding Role

Ripple’s major initiatives this year reflect a strong focus on institutional adoption of XRP:

  • Prime Brokerage Integration: Ripple Prime is actively integrating XRP as a collateral and settlement asset for institutions, alongside RLUSD.
  • Corporate XRP Treasury: Ripple, Evernoth, and SBI committed $1.1 billion to establish the world’s largest corporate XRP reserve. This shows long-term confidence in the asset’s value.
  • 40 Billion XRP in Reserve: Ripple holds 5 billion XRP in spendable wallets and 35 billion in escrow, meaning any XRP appreciation directly strengthens the company’s balance sheet. This gives it the financial war chest to pursue more developments that favor XRP.
  • Mastercard Partnership: The company is working with Mastercard to use RLUSD on XRPL for fiat settlement via cards, driving more liquidity into XRPL rails.

Together, these efforts support the narrative that Ripple is building institutional-grade infrastructure powered by XRP, not replacing it.

Regulatory Tailwinds

The timing of the investment aligns with changes in U.S. regulations. Since President Trump’s election, the passage of the GENIUS Act has led to an increase in the use of regulated stablecoins by more institutions for payment and treasury operations.

Ripple believes this environment supports XRPL-based assets and institutional digital infrastructure — the same areas it is strengthening through its acquisitions and new investments.

With the new investment and its $40 billion valuation, Ripple is positioning itself for a more XRP-integrated future. As Garlinghouse put it, the raise is not just a milestone, but “a clear bet on what the future of crypto will look like.”

If Trump Seizes XRP Escrow for U.S. Treasury, Here XRP Price When U.S. Debt Could Vanish

Sam Wisdom Raphael
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If Trump Seizes XRP Escrow for U.S. Treasury, Here XRP Price When U.S. Debt Could Vanish

Conversations about using XRP to help the United States clear its massive national debt have recently dominated crypto circles. 

While the idea sounds unlikely, several analysts and community figures have explored how Ripple’s escrow holdings could, in theory, help the government tackle its $38 trillion debt burden.

Discussions Around Escrowed XRP Settling US National Debt

For instance, in January 2025, XRP community researcher Dr. Horace Drew shared a scenario where former President Donald Trump could take control of Ripple’s escrowed XRP and assign it to the U.S. Treasury.

 

Drew estimated the escrow’s value at about $200 billion and suggested that the government could gradually push XRP’s price to $500. At the time, the national debt stood at $34 trillion. He said if this happened, the rising value of the tokens could wipe out the debt.

In the same month, another community figure known as UtilityFTW shared a similar idea. He imagined Ripple donating its escrow holdings to the U.S. government and allowing RippleNet to serve as the main settlement system. 

By October 2025, the discussion resurfaced after Newsmax host Carl Higbie proposed another scenario. He suggested that the government could inject $1 trillion into XRP to drive up its price, sell some of the tokens to pay down part of the debt, let the price drop, and then repeat the process. 

According to him, repeating this cycle could help the government slowly reduce its debt, even though it might cause large price swings in the market.

Interestingly, President Donald Trump has even made a comment about using crypto to pay off the national debt, though he mentioned this with a mildly sarcastic tone.

XRP Price to Settle the $38T National Debt

Right now, Ripple holds 35 billion XRP tokens in escrow, worth about $87.5 billion at the current market price of $2.35 per XRP. Compared to the nation’s $38.11 trillion debt, about $111,559 for every American, this amount hardly makes a dent. Even if the government used all the escrowed tokens, the total value would still fall short by a wide margin.

Notably, to pay off just half of the national debt, the escrow would need to be worth $19.055 trillion. This would require XRP to hit $543 per token, representing a jump of roughly 21,620% from its current price. 

While this sounds far-fetched, some analysts still see a future where XRP trades in the triple-digit range. In October, Rob Cunningham of the KWUL Show said bullish market conditions around large ETF inflows could push XRP between $200 and $500. Also, analysts at Changelly expect XRP to break the $500 level by March 2040. 

XRP Price Prediction Chagnelly
XRP Price Prediction | Chagnelly

Meanwhile, to clear the entire $38.1 trillion debt, the escrow’s value would need to equal the full amount, which means XRP would have to climb to $1,088, marking a 43,420% increase.

Interestingly, Easy A founder Dom Kwok recently encouraged investors to hold onto their XRP until the token reaches $1,000.

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