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BTC 
XRP The Vision of the U.S. Debt Clock: The Dividend Dollar Concept
The U.S. Debt Clock website has been publishing detailed charts about an upcoming monetary revolution for nearly three years. At the heart of this vision is something called the "dividend dollar." Cryptocurrency commentator Jared Johnston believes that this asset already exists and its code is XRP.
The concept of a dividend dollar
Johnston mentioned usdebtclock.org and its "New Monetary Revolution" report, which has outlined two new currency concepts since early 2024: a U.S. Treasury dollar to replace Federal Reserve bills, and a U.S. dividend dollar. The dividend dollar is a currency in which the holder earns income simply by holding it.
Johnston points out that all assets in the current financial system that pay dividends are classified as securities. A currency that also pays dividends is, in his words,"a completely new revolutionary idea that does not yet exist in the world."
XRP's unique lending capabilities
Johnston quoted Ripple Chief Technology Officer emeritus David Schwartz as saying that although hundreds of digital assets can be transferred point-to-point, only XRP can be used as a lending tool to earn income. Johnston's core argument is based on this distinction. If XRP is the only digital asset that can generate income through borrowing, then it naturally becomes an ideal candidate for the dividend-dollar role described by the U.S. Debt Clock.
Ripple's positioning in financial transformation
Johnston also emphasized Ripple's close connection to political power. Ripple CEO Brad Garlinghouse is the only financial technology 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 pointed out,"No other technology company is so close to the most powerful office in the world." In addition, XRP also complies with ISO 20022, which is the standard for financial transaction messages being adopted by banks around the world.
Reasons to hold XRP
Johnston's arguments against selling XRP are based on his expectations of what is coming in early 2027. He envisions banks competing to attract XRP holders to the liquidity pool and provide yields of 3%, 5%, or 6%. At that time, selling XRP to make a profit will no longer be necessary because the asset itself generates revenue. Johnston also refuted doubts about the market size of XRP's high-price target, arguing that the global financial system carries "tens of trillions of dollars" of value and settlement assets must carry enough value to support this size.
Johnston clearly distinguishes XRP and Bitcoin. Bitcoin holders can only make a profit by selling, while he believes XRP holders will soon be able to earn income by holding.
