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04/23 06:26

Could XRP Become a Strategic Reserve Asset for the

Could XRP Become a Strategic Reserve Asset for the US?

The US could be considering XRP for national reserves as Ripple and government talks spark new speculation in crypto circles.

XRP’s real value lies in infrastructure use, not passive assets, an analyst says — and it could change the US financial system.

The idea of ​​the US government holding XRP as part of a national reserve may seem far-fetched, but it’s a conversation that’s actually gaining traction in some parts of the financial and crypto world.

Is the US Eyeing an XRP Reserve?

The concept gained traction earlier this year after a closed-door meeting involving Ripple executives, including CEO Brad Garlinghouse. Speculation spiked at the time, with some industry observers estimating a 50% chance that XRP could be added to the federal reserve’s strategy. That probability has since dropped to around 22%, but talk remains active.

 Connor McLaughlin, an asset manager and digital asset commentator, recently shared his thoughts on the idea on The Paul Barron Network. While he believes a national XRP reserve could be useful, he cautioned that its impact would depend on the rationale behind it.

“If it’s just an investment allocation, that’s one thing,” McLaughlin said. “But a higher-level partnership between Ripple and the U.S. government based on real liquidity use cases is where the real value lies.”

He added that while Bitcoin has already begun to find a place in institutional portfolios, the federal expansion of interest in other crypto assets like XRP has been met with mixed reactions.

“There seemed to be some momentum,” he added, “but internal disagreements could stall any serious effort. It’s unclear whether the government is simply pausing to avoid controversy or whether the idea has been abandoned entirely.”

 Ripple’s Role in Finance

McLoughlin said that regardless of the government’s current hesitation, long-term adoption trends could eventually force a rethink.

“Over time, these technologies will pay off. If the U.S. is late now, we could see a repeat of what happened with Bitcoin — ignored early on and then reluctantly adopted.”

Some have put forth creative ideas about how the government could hoard XRP. One theory suggests that the U.S. Treasury could redirect fines or penalties related to Ripple’s ongoing legal battles into XRP reserves for a strategic reserve. While that’s plausible, a more compelling future would be for XRP to be used in the underlying infrastructure of the financial system, rather than simply held passively, McLoughlin said.

“The real excitement will come if tier-one banks start using XRP for real-time settlement and financial plumbing,” he said.  "That's what will really move the needle for the ecosystem.

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