XRP WON'T BE GOLD BACKED! - THEY'RE WARNING YOU IT'S COMING! - WHY THEY NEED AI TO SUCCEED!

追加: 2026-06-01

[00:00:00]Hello everyone and welcome back to the common sense crypto channel as with you always. This is Rich doing another video today on XRP.

[00:00:11]So I hope you're all having a wonderful day today wherever you are in this great great world. We're going to talk about XRP and I got to start with this from Gemini. Just in the average annual salary in the US reaches $69,770.

[00:00:34]And right away people said this these numbers aren't accurate. But the one thing I want to point out is this over on X in the crypto community. I don't know what it is. Everybody is a multi-millionaire and they're all telling you you need to be buying 50,000 XRP if you want to get rich and you have to be holding 150,000 flare right now and you need to be buying XLM because the price just jumped up a little bit. They're so out of touch with the working class person. The person that goes to their 9-5. They're fighting off inflation. They're paying the mortgage. They're paying high gas prices and at the same time the US dollar continues to lose more and more value. There it's the same reason that most people came to crypto in the first place because they want to invest in something that can actually give them massive returns, life-changing money.

[00:01:37]Once the breakout begins.

[00:01:40]And while we're on the subject of people's savings accounts also losing money because the US dollar is losing money, Raul Pal sums it up right here.

[00:01:51]Take a listen.

[00:01:52]>> This is the both different things. So you have to add them together. You'll get to an 11% hurdle rate of which if your if your if your returns aren't beating that 11%, you're actually getting poorer every year. And this is the one thing that's making the rich richer and the poor poorer is poor people weren't able to invest as easily. Now, crypto changed a lot of that because it's more fractionalizable, it's also globally accessible. But that's where we are now.

[00:02:21]And this is all driven by the mega force of demographics.

[00:02:27]These charts, I think are the most important charts in macro and most people don't understand them.

[00:02:32]So, this is the labor force participation rate and the birth deaths rate going forward, so the birth rate going forward.

[00:02:40]What it tells you is demographics is destiny. It's baked in the cake.

[00:02:45]We tried to change this by our immigration, it didn't work.

[00:02:49]So, what we've got is a slowing of the population growth. In many countries in the world, we've got negative population growth.

[00:02:56]And we can see the size of the labor force shrinks because of it. Makes sense, right? Because older older populations, less people in the workforce. And it follows it beautifully.

[00:03:07]But more importantly, that slowing of the labor force participation rate, if we go back to the magic formula, GDP growth equals population growth plus productivity growth plus debt growth, what we've got is the population side of the equation slowing.

[00:03:25]And so debt growth is increasing to offset it to maintain GDP growth.

[00:03:30]And this chart is the most important chart of macro and it's the one least shared of all of the charts I've ever made, but it's the single most important one. Debt.

[00:03:38]>> And this is why they're hoping that AI outproduces the debt because the workforce is shrink is shrinking and the productivity is dropping while the debt continues to rise, and it's the same reason why the US dollar continues to lose value day after day. It's the same reason that you don't want to be holding dollars. Cash is trash. You need to be holding actual assets like XRP. People putting their money into a savings account at the bank, they're losing value non-stop.

[00:04:19]And that's why I always tell people, you know, why would you store your money at the bank? Just put enough in there to cover your bills and dump the rest into crypto. This way at least you know at some point crypto's going to return you with a 10x, 20x, 30x, and so on.

[00:04:37]We think XRP has stood the test of time.

[00:04:41]We're exactly where Ripple and the community are taking it. Take a listen to Hugo Philion from Flare.

[00:04:48]>> We think that the XRP ledger has stood the test of time.

[00:04:52]We think XRP has stood the test of time.

[00:04:54]We're excited where Ripple and the community are taking it. And we think that what we offer on top of the egg ledger is extremely complimentary. In fact, we think that our position and what we're building with Flare helps Ripple win business.

[00:05:13]>> Yeah.

[00:05:14]>> They They might not see that today, but over time they'll see I hope they'll see that the products that we're building within Flare 2.0 and something called Flare confidential compute will be where be, you know, an an augmenting to their to their to the use cases that they can offer.

[00:05:33]So, they can offer >> What he's saying is Flare is going to bring even more value not only to Ripple, but also XRP as well. And Flare was just down a little bit in price. You see the price right here. It's well under a penny, but people won't stack it now. They'll wait until it's 3 cents, maybe 6 cents, 10 cents, then they'll start buying Flare. This is when you want to buy this cryptocurrency because you're buying the absolute bottom. Could you imagine how much Flare you can stack with very little money where it's sitting right now? And I still believe at some point we're going to watch Flare pull a 2017-2018 XRP where XRP went from a fraction of a cent to $3 and change. The same thing can happen with Flare.

[00:06:31]The flood to positive development ratio in crypto has never been more skewed.

[00:06:37]Yet, here we are at a $2.4 trillion market cap. XRP is sitting at $81 billion market cap. You need to take a listen to this bullish clip because this tells you what's coming. And it's these this is like all the people in this space that have been telling us for years that this is happening. It's now happening.

[00:07:00]>> Going to struggle to convey just how much capital there is behind this regulatory debt.

[00:07:06]>> Cuz there is trillions and trillions and trillions of dollars uh on the sideline that's just waiting for some clarity.

[00:07:12]>> The entire crypto ecosystem is like 2.5 trillion.

[00:07:16]>> We're talking about a major major transformation potentially of capital markets infrastructure that affects all types of entities across the value chain.

[00:07:25]>> Right, bank deposits, stocks, and bonds.

[00:07:28]$400 trillion uh.

[00:07:30]>> That's not going to come easily or quickly, right?

[00:07:32]>> the opportunity and how we get to beyond well beyond the $1 trillion. I would start with private asset space is a $290 trillion market around the world. I'm not going to say all of this money is going into crypto, but quite a lot of it will end up in crypto.

[00:07:47]>> It's pretty easy to understand that we are clearly in this fourth turning. We are in a time of epic change. We are in a time of turmoil and chaos.

[00:07:54]>> Cuz the world is going to be The world will be radically different in 5 years.

[00:07:59]And then with this with the new technologies, we're going to go It's like going through a time warp. We're going to be in a different world.

[00:08:07]>> Because everything is going to accelerate so quick, and it starts this year. I mean, so far, we've seen things accelerate, but wait until things really start to erupt. I still believe at some point we will see that liquidity crisis, and we'll see more of the banks fold up, and they'll get consolidated into the much bigger banks. Because it's easier to onboard just a handful of banks over to a digital system than it is to bring a thousand or two banks into a digital system. But when the crisis shows up, the rise of the Phoenix will happen shortly after, and we are holding the Phoenix. But it's trillions upon trillions of dollars in value set to come on chain.

[00:08:58]XRP will be gold backed and priced at $2,953.62 by quarter to 2026.

[00:09:07]A $10,000 to $35,000 XRP price range is now a real possibility. The financial shift is happening. I don't know where this guy came up with this, but we're never going to see XRP being backed by gold, and you really don't want it to be backed by gold. You want XRP to be moving the value of gold, cuz it's going to not only move the value of gold through tokenization, but it's going to be moving gold back currencies. It's going to be moving oil. It's going to be moving anything of value.

[00:09:42]This is going to be way bigger than we think. But people always at some point resort back to the fact that like they try to sell it as XRP is going to be gold-backed. The fact of the matter is this, XRP is going to be the world's bridge currency. It's going to bridge everything of value.

[00:10:05]And remember I said every single stablecoin will need a bridge. Well, here's Larry Fink talking about countries racing to launch their own stablecoins.

[00:10:15]>> We need to have every member of our government to wake up to the idea that this these deficits are threatening our future. They're threatening the value of the dollar. Let's be clear. If we did not if we were not the the country whose currency is the currency of the world, we would not be able to have these def- it's you know, the but because we are the currency for the world, we are we are accorded a privilege that no other country is accorded.

[00:10:47]We should not lose sight. It is a privilege. It is not a right.

[00:10:53]And I think too many men and women in Congress believe it's a right not a privilege and I think we're jeopardizing that right.

[00:11:02]>> And it's not permanent and I think we get away with it cuz there's no alternative. All right, now.

[00:11:05]>> but as we move towards more crypto strategies, more stablecoin, I was in Asia 2 weeks ago and you know, the countries are all talking about creating their own stablecoin cuz they're worried about the the increased dominance of of having a dollar stablecoin worldwide. So, they're all going to start their own. Getting back to they're going to focus on their own economy and they're going to digitize and create their own stablecoin and digitalization of their currency.

[00:11:31]So, there are and you know, and I do believe things like Bitcoin will play a big role in this, too. And I know we're you know, our government is very in favor of this.

[00:11:42]We just had the genius act that was signed last week.

[00:11:45]>> Take notice, he had to say that Bitcoin would be involved here. Why can't he tell the truth and say that all of these stable coins that all of these countries are going to going to create, they're all going to need a bridge. That's the part everyone purposely leaves out.

[00:12:04]Because if the US has a digital dollar, no other country wants the digital dollar. They're going to want to use their own stablecoin. So, you're going to have to go from the US dollar to through the bridge, which is XRP, and come out as that country's stablecoin on the other end. That's the future. And here is Giancarlo talking about AI agents transacting anonymously change every one of those assumptions that today's payment rails were built for human behavior. Take a listen.

[00:12:39]>> I think the architecture of finance moves to digital network as its underlying architecture. Some and and stablecoins will have a role to play in this.

[00:12:50]A tokenized deposits going to be a huge role in that to play in this certainly at the institutional level. I can see stablecoins in retail wallets moving a fair amount of retail trade, but once you get into wholesale trade, uh it's going to be increasingly uh uh bank deposit driven, tokenized bank deposit driven. And I think AI is going to be the essential It's going to turn a lot of this into utility. So, right now, still working with wallets, working with crypto is it's very clunky.

[00:13:18]It's for the It's for the nerds. It's not for ordinary people. But once you can just say to your watch or say to your mobile device, "Program this. I you know, when with my salary comes every month, I want uh figure out for me what it will cost to go on vacation to Bermuda next January.

[00:13:35]Uh work out how much is needs to come out of every paycheck, search for the best flight available, get me the best package deal.

[00:13:43]You know, once that's all doable and we're we're we're probably, you know, at iPhone 21 before that is there, but that will be there in our future.

[00:13:53]>> What he's telling you is that it's a little bit clunky right now, but with AI agents, it's going to start to get simpler and simpler. And as that happens, that's when full-blown mass adoption will be happening. I think it needs to start at the institutional level first. They got to simplify all of this so that the average person can utilize this new system, the new financial system. Right now, it's still a bit complicated for most people, and most people, they can't bring themselves to understand it. It's the same reason that if you talk to somebody about the utility behind XRP, they just can't see it. You have to have vision to see it, but now it's coming together in real time. It doesn't take much vision anymore.

[00:14:43]And I still believe the rise of AI coming together with blockchain, also, will eliminate the 4-year cycle.

[00:14:51]This comes from Smoke, The End of Pure 4-Year Cycle Thinking. For years, crypto markets were explained through simple cycles driven by Bitcoin halvings and retail speculation. That model is starting to break. Institutional capital does not behave like retail money.

[00:15:07]Instead of sharp boom and bust cycles, the crypto market is moving towards longer accumulation and consolidation phases.

[00:15:16]But AI is also going to play a role in ending the 4-year cycle forever.

[00:15:25]Because when all those payments start happening, right? AI, it's going to be billions upon billions of payments. Then you have human payments still happening at the same time. Bank payments, micro payments, everything.

[00:15:39]It Where does the 4-year cycle fit in if it's consistent value movement moving through crypto, moving through stablecoins, and so on? Because stablecoin movement, like with RLUSD, that still benefits XRP.

[00:15:56]And I know that RLUSD is the door opener because most people are going to fully transition to what's cheaper and what's faster, which is XRP. Plus, they're going to love the fact of that on-demand liquidity. We're just not quite there yet, but it all starts with institutional adoption.

[00:16:19]Before it's over, he'll be talking about XRP. Kevin O'Leary is saying that the next opportunity in crypto is figuring out which blockchain network will be adopted by the S&P 500.

[00:16:35]I totally agree with that. And I think you already see it with Nasdaq and everything that's going to be happening later this year.

[00:16:44]But he's not wrong. The next big thing in crypto, it's going to be a multitude of things.

[00:16:51]It's going to be well-rounded cryptocurrencies more than anything else. Your cryptocurrency, if you want to capitalize on everything, like the fourth and fifth industrial revolutions coming together, you got to be invested in something like XRP or HBAR XLM, and so on. Because they're tied to AI.

[00:17:12]They're tied to cross-border payments.

[00:17:14]They're They're to central bank digital currencies. They're tied to tokenization, and they're tied to custody solutions and everything beyond that.

[00:17:25]And that's why when you're holding XRP, you don't need to go and hold two other cryptocurrencies like one that's just all centered around AI or one that's more around tokenization.

[00:17:40]With XRP, you're gathering pieces of all of it, which will lead to very high prices for this cryptocurrency. I hope I made sense there with what I was trying to say because you're invested in everything all at once by being invested in XRP.

[00:18:01]But like I always tell you, until it happens, stay patient, stay positive, and let's get rich together. With that said, I'm going to wrap up this video. I want to thank you all for watching. I appreciate all of you. I'll see you in the next one. Have a great night.