JackTheRippler is connecting dots that are interesting, but not definitive.
What actually holds up
The U.S. payment stack is outdated. That’s not controversial. Fedwire, ACH, SWIFT are slow and expensive.
Policymakers talking about “modernizing rails with crypto tech” is a real shift in tone. Even a few years ago, that language was off-limits.
Ripple has spent years positioning itself exactly in this lane. Faster settlement, lower costs, interoperability. That part is consistent.
Where the argument stretches
Saying $XRP is “locked in” assumes implementation decisions that have not been announced, approved, or documented.
A speech about upgrading infrastructure does not equal choosing a specific private company or token.
Meetings with executives happen all the time in Washington. Without policy text, contracts, or pilots, it’s correlation, not proof.
XRP hitting an ATH around the same time strengthens the narrative emotionally, not structurally.
The key distinction most people miss There’s a massive difference between:
“Crypto or DLT will be used somewhere in financial infrastructure” and
“XRP will be the settlement asset of the U.S. system”
The first is increasingly plausible.
The second would require explicit regulatory, technical, and political alignment that we have not seen publicly.
What would confirm this thesis If $XRP were truly a done deal, you’d expect at least one of the following:
A government pilot naming Ripple or XRPL
Language in legislation referencing interoperable DLT providers
Fed or Treasury commentary aligning with Ripple’s model
Institutional adoption that requires XRP, not optional usage
None of that is confirmed yet.
Bottom line This is a strong narrative, not a settled outcome.
XRP is well-positioned if the U.S. moves toward blockchain-based payment rails.
That’s very different from $XRP being pre-selected.
