Experts are pointing to Bitcoin and XRP as possible replacements for the U.S. dollar in the future as the country’s debt keeps rising faster, reaching around $36 trillion.
In a post on X, Sistine, an independent research company, questions, “Do you think USD or another fiat will still be the global reserve currency in 25 years?” They added, “If p(no) > 20%, it’s time to start speculating on what will be.”
Sistine sees BTC and XRP as future global reserves. | Source: X According to Sistine’s view, only two digital assets are currently standing out: “Right now, there are really only 2 emergent leaders: BTC and XRP.”
However, Sistine explained that while Bitcoin is a strong store of value, it’s not ideal for everyday use. “BTC has design flaws that make it a poor currency.” XRP, in contrast, was “designed specifically to be a global reserve currency.”
In short, XRP has the utility needed to serve as a true global currency, unlike Bitcoin even though it is seen more as digital gold.
Meanwhile, Versan Aljarrah, founder of Black Swan Capitalist, recently gave a similar outlook on this issue. In a previous report , he said that XRP could play a big role in fixing the financial system. He believes the answer is to anchor debt to something stronger and more stable.
“If you want to reset a debt-based system without triggering global panic, you need a new anchor,” he wrote. “Gold, repriced and tokenized, is that anchor.”
Aljarrah suggests the U.S. Treasury could tokenize national debt using RLUSD, a Ripple stablecoin backed by gold. XRP would act as the bridge currency to move that value across borders. This model, he believes, could create a more stable and clear financial system.
RLUSD has already been approved by the Dubai Financial Services Authority for use in the Dubai International Financial Centre. This is a step toward international use.
