Why the $35T U.S. Debt Problem Has Crypto Analysts Talking About XRP and Ripple?

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Rising concerns around America’s $35 trillion national debt have sparked intense debate about the future of the global financial system. While policymakers continue relying on traditional tools like rate adjustments and monetary expansion, some crypto analysts argue that bigger structural changes may already be underway.

Among them, Edo Farina has floated a bold theory: that XRP could eventually play a role in a broader financial reset, not as a speculative coin, but as infrastructure within a new settlement framework.

From the beginning, XRP has faced skepticism. Critics have questioned its role, its ties to institutions, and whether it can truly differentiate itself from thousands of other digital assets. Yet, supporters argue that its long-term positioning has always centered on cross-border settlement and financial plumbing rather than retail hype cycles.

“What’s Really Changing Globally”

Farina frames the discussion around macro reality. The U.S., he argues, cannot sustainably manage its debt through endless money printing or higher taxation. Inflation erodes purchasing power, and confidence in fiat systems is gradually weakening.

“A new financial system is emerging where debt is being tokenized onto blockchain rails,” Farina says. In that environment, he believes XRP could serve as a neutral bridge asset, facilitating value transfer between institutions and even sovereign entities.

He emphasizes that governments may eventually need to participate directly in digital asset ecosystems to maintain influence. “If you want control, you have to participate,” he argues, suggesting that ignoring blockchain infrastructure may no longer be an option for major economies.

Gold, De-Dollarization, and Blockchain

Farina ties his thesis to accelerating de-dollarization trends and record central bank gold accumulation. Around the world, nations are diversifying reserves and reducing reliance on the U.S. dollar for trade settlement.

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“There will be an intersection between precious metals and blockchain technology,” he claims. He outlines two possibilities. Tokenized gold operating on blockchain networks like the XRP Ledger, or digital assets indirectly linked to commodity-backed systems.

In his view, a split global financial order, with competing currency blocs, could increase demand for neutral settlement layers that are not directly controlled by any single nation.

Infrastructure Over Speculation

However, going deep inside, Farina’s argument is not about short-term price targets. It is about positioning. If global finance shifts toward tokenized assets, real-time settlement, and commodity-linked digital rails, assets designed for liquidity bridging could become strategically important.

Whether XRP ultimately plays that role remains speculative. But as debt levels climb and monetary systems evolve, discussions about blockchain-based settlement are no longer fringe; they are increasingly part of mainstream macro conversations.

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