This Theory Explains Why You Should Never Sell Your XRP

The U.S. Debt Clock has spent nearly three years publishing detailed graphics about a coming monetary revolution. Central to that vision is something called the “dividend dollar.” Crypto commentator Jared Johnston believes that asset already exists, and its ticker is XRP.

The Dividend Dollar Concept

Johnston points to its publication, The New Money Revolution, which has outlined two new currency concepts since early 2024: a U.S. Treasury dollar to replace the Federal Reserve note, and a U.S. dividend dollar. A dividend dollar is a currency that pays holders a yield simply for holding it.

Johnston notes that every dividend-paying asset in the current financial system is classified as a security. A currency that also pays a dividend is, as he puts it, “a whole new revolutionary idea that the world doesn’t have right now.”

XRP’s Unique Lending Capability

Johnston cites a statement attributed to David Schwartz, CTO Emeritus of Ripple, who said that while hundreds or even thousands of digital assets can move value peer-to-peer, only XRP can function as a lending vehicle to earn yield. Johnston builds his core argument on this distinction.

If XRP is the only digital asset capable of generating yield through lending, it becomes the natural candidate for the dividend dollar role the U.S. Debt Clock has described.

Ripple’s Position in the Financial Transition

Johnston also highlights Ripple’s proximity to political power. Brad Garlinghouse, Ripple’s CEO, is the only fintech CEO to visit the White House twice since the current Trump administration took office. Ripple also met with the first Trump administration in 2018.

Johnston states that “there are no other tech companies that have that kind of proximity to the most powerful office in the world.” XRP is also ISO 20022 compliant, the messaging standard global banks are adopting for financial transactions.

Why Holding XRP Makes Sense

Johnston’s argument against selling rests on what he believes is coming by early 2027. He envisions banks competing to attract XRP holders into liquidity pools, offering yields of 3%, 5%, or 6%. At that point, selling XRP to realize a profit becomes unnecessary because the asset itself generates income.

Johnston also dismisses market cap objections to high XRP price targets, arguing that the global financial system moves “thousands of trillions of dollars” in value, and the settlement asset must carry adequate value to support that scale.

Johnston draws a clear line between XRP and Bitcoin. Bitcoin holders can only profit by selling. XRP holders, Johnston argues, will soon earn income by holding.