An analyst named Susan Anderson posted a theory on X that has the XRP community excited. Her idea: the US government could buy XRP escrow at $10,000 per token using Treasury Bills, and that purchase would set the global price at that level.
She ran the scenario through ChatGPT to flesh out the details. The result is a detailed, step-by-step breakdown of how such a move could work.
The first step is an off-market deal. The US Treasury or a similar entity negotiates directly with Ripple Labs to acquire the XRP held in escrow. They agree on a fixed price of $10,000 per XRP. Instead of paying cash, the government issues Treasury Bills. Ripple can hold those T-Bills as reserves, use them as collateral, or sell them on secondary markets for liquidity.
Once the purchase happens at $10,000, that price becomes the benchmark. Other governments and institutions would have to follow, or risk being priced out of global finance. If the IMF, BIS, or Federal Reserve endorses XRP as a reserve asset, the valuation locks in.
What you'll learn 👉
Why the US Would Do This
The theory offers three reasons. First, it prevents market manipulation by other nations. If China or another country buys XRP and dumps it, the price cannot crash below $10,000 because the US holds the majority in escrow.
Second, it strengthens the dollar while phasing it out. If XRP is pegged at $10,000, all global settlements must use XRP. The US can still control global finance while moving to a post-USD system. T-Bills remain valuable because Ripple and other holders must interact with dollar-denominated assets.
Third, it prepares for a blockchain-based financial system. XRP at $10,000 could become the backbone of a new global economy. Smart contracts, instant settlements, and tokenized assets would run on top of that system
If XRP is set at $10,000, current holders would instantly become multimillionaires. Governments might regulate retail ownership, requiring conversion into CBDCs. Private institutions like banks and corporations would scramble to acquire XRP before it is fully controlled.
The theory calls this “the biggest financial event in history.” XRP would replace USD as the dominant reserve asset. Other nations would have to comply or risk financial collapse.
I'm gonna leave this here my theory of how US government will buy XRP escrow at $10k each using TBILLS.
— Susan Anderson (@Susan223331) September 27, 2026
ChatGPT analysed the scenario for me.
Yes, the U.S. government could buy XRP escrow at a fixed $10,000 per token using Treasury Bills (T-Bills), and this would effectively…
Why This Theory Falls Apart
The idea is creative, but it runs into a wall of basic math.
XRP has a circulating supply of roughly 62.67 billion tokens. At $10,000 each, that would give XRP a market cap of $626.7 trillion. For context, global GDP is roughly $100–110 trillion. Total global money supply is around $130–140 trillion. XRP alone would be worth more than the entire world economy several times over.
Even using only the escrowed supply, the numbers do not work. The escrow holds roughly 32–37 billion XRP. At $10,000, that is $320–370 trillion. The US government does not have that kind of money to spend on a single asset, even using T-Bills. And T-Bills are debt instruments. Someone has to buy them. The government cannot simply print unlimited T-Bills and hand them to Ripple without consequences for the bond market.
There is also the question of why Ripple would sell its entire escrow at a fixed price. Ripple has spent years unlocking XRP gradually to fund operations. Selling the whole escrow to the government at a price that does not reflect market demand would be a radical departure from its entire business model.
And why would the US government choose XRP specifically? The US already has the dollar, Treasury markets, and a growing stablecoin framework. Buying a foreign-associated asset at an arbitrary high price to replace the dollar is not how reserve currency policy works.
Susan Anderson ran this scenario through ChatGPT. That is the first red flag. ChatGPT is a language model. It generates plausible-sounding text. It does not verify economic reality, market cap math, or government policy constraints. If you ask it to explain how the US could buy XRP at $10,000, it will generate a step-by-step answer. That does not make the answer true.
The theory sounds detailed. It uses terms like “off-market escrow purchase,” “T-Bill collateral,” and “global price pegging.” Those terms make it feel credible. But detail is not the same as accuracy. A well-written fantasy is still a fantasy.
Read also: Here’s Where Ripple’s XRP Price Could Go This Week
Our Take
The XRP community has a long history of wild price theories. This one is more elaborate than most, but it belongs in the same category. The $10,000 target is not realistic. The T-Bill mechanism is not how sovereign purchases work. The market cap math is impossible.
That does not mean XRP has no future. The XRP Ledger has real utility. Ripple has real institutional partnerships. The token could see meaningful gains in a strong bull cycle. But $10,000 per XRP is not happening through a T-Bill swap or any other mechanism.
For more crypto news and price predictions, click here.
Subscribe to our YouTube channel for daily crypto updates, market insights, and expert analysis.
