After the White House published its latest digital asset reportand U.S. crypto czar David Sacks chimed inspeculation lit up X. A wave of users wholeheartedly believe the digital dollar might end up running on Ripples XRP Ledger, pointing to the firms stablecoin progress and key alliances as their proof.
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Speculation Ignites: Will the U.S. Dollar Run on Ripple?
Lately, this idea has been gaining steam among crypto fansespecially in the XRP community, and even more so within the XRP armywhere threads are buzzing about Ripples RLUSD stablecoin possibly acting as a stand-in for a central bank digital currency, or CBDC.
Youre told stablecoins are just for fast payments, the X account Pumpius wrote. But $700B+/month in volume isnt retail chatter, its shadow institutional liquidity testing. Ripples RLUSD on XRP Ledger is about data-compliant, on-chain treasuries& not crypto USD. And that changes everything, Pumpius added.
Speculation runs wild when it comes to XRPs supposed connections to governments and banks. One often-quoted example is a years-old U.S. Department of Homeland Security (DHS) report, which claims, It is more likely that in the near future, a currency-agnostic P2P payment transfer mechanism like Ripple will be used to access U.S. dollars instead of a cryptocurrency like Bitcoin.
Still, official channels push back on the idea of a U.S. CBDC running on XRP. The Federal Reserve hasnt made any decision on launching a CBDC and hasnt mentioned Ripple or XRP in any of its research efforts. RLUSD, meanwhile, is a privately issued stablecoinnot a sanctioned digital dollar. That hasnt stopped echo chambers on X from keeping the theory alive through endless threads and recycled posts.
Reddit discussions emphasize utility and adoption as drivers of value, with users believing XRP will become a reserve currency in a new financial system. Influencers and Youtube videos amplify this, like claims that XRP is digital gold or will bridge trillions. In the end, the belief sticks around thanks to a cocktail of optimism, selective facts, and the power of community echodespite the absence of confirmation from any official U.S. source.
Threads and theories may trend, but fantasy doesnt turn stablecoins into sovereign currencyno matter how loud the XRP army gets. The fact is, right now, the digital dollar isnt waiting in Ripples inbox. Without federal backing or regulatory clarity, to many onlookers, RLUSD remains just another stablecoin chasing relevance. If XRP becomes the backbone of global finance, it wont be because influencers on X, Youtube, or Reddit declared it destiny.
