Currency Reset: What Keeps Its Value and Where XRP Fits

Most of us will only ever see one currency reset in our lives, if that. And when one lands, the rules on what money even is get torn up and rewritten. The people who study this say it runs in long cycles. Debt piles up until it can't be paid. The gap between the halves and the have nots gets too wide and the whole thing comes down.

It's behind some of the darkest chapters of the last 100red years. Let's step back from the sensational and and be clear about what I mean. The monetary order is breaking down. Okay. What I mean by the monetary order is that fiat currencies as an and debt as a storehold of wealth is not being uh held by central banks in the same way and that there was a change.

The biggest market to move last year was the gold market, far better than the tech markets and so and so on.

That's Ray Dalio, the man who built the biggest hedge fund in the world in January 2026. And Dalio's own rule of thumb is that these big cycles run about 75 years, give or take 30. He says we're right near the end of one. And this is what the end of one can look like. Germany, 1923.

At the start of the 1920s, a dollar cost you a few dozen German marks. By the end of November of 1923, it cost you about 4.2 trillion. A loaf of bread that cost 250 marks in January cost 200 billion by November. People wheeled their wages home in barrerows. Kids built towers out of bundles of notes.

Notes ended up on the fire because they burned for less than the wood did. And how did it end? On the 15th of November 1923, Germany brought in a brand new currency, the Reon mark. And one new mark was worth a trillion of the old ones. That right there is a currency reset.

But here's what I want you to sit with. Not everyone got wiped out. Some families came out of 1923 richer than they went in. The people who got hammered were the savers, the ones with money in the bank and their faith in the mark. The people who did well owned real things, factories, land, mines, and some of them had borrowed to buy them, then paid the loans back in money that was worth next to nothing.

The industrialist Hugo Stins built one of the biggest business empires in Germany right through the chaos. Some of the oldest fortunes in Europe and America got through crash after crash and came out the other side bigger. How? Because they understood which things the system can get its hands on and which things it can't. And that's exactly what I'm going to go through with you.

Gold, Bitcoin, cash, property, shares, and your savings. And at the end, I'll show you the one question that decides almost all of it and where XRP and your crypto sit. [music] Hey bull runners, welcome back. Let's get into it. So, let's start with gold. Gold had a year to remember in 2025, up about 64%, the biggest yearly gain since 1979.

Then in late January 2026, it hit a record almost $5,600 an ounce. Now, I'm going to be straight with you because most videos won't. Since then, it's come a long way back. It slipped back under $4,000 in late October 2026, which is roughly 30% off the top. So gold is a magic and it doesn't only go up, but look at who's been buying it.

The world's central banks. Over a,000 tons in 2022, again in 2023, and again in 2024, and another 860 odd tons in 2025, according to the World Gold Council. And in the second quarter of 2026, they bought 289 tons, a record for that time of year. Central banks and sovereign wealth funds and others are b are buying gold are buying these assets as a diversifier. Think of it.

It's gold is not a metal to speculate on. It's the second largest reserve currency. It has been the reserve currency.

So why do the people who print money keep buying the one thing they can't print? Because a gold bar in a vault isn't anyone's IOU. Dalio has described it as money that doesn't rely on somebody else paying you back. Paper money works the other way round. Every time a central bank creates more of it or fiddles with interest rates to get itself out of a hole, each pound or dollar you're already holding buys a little less.

Think of a pizza. Print more money and the pizza doesn't grow. It just gets sliced thinner. So the bit on your plate just shrinks. And gold is probably rare.

Every bit of gold ever dug out of the ground around 222,000 tons according to the World Gold Council would fit in a cube about 22 and a half meters on each side. That's it. About the length of one tennis court. But there are really two gold markets. There's the gold you can hold, coins and bars, and there's the paper gold, futures contracts, funds, bank accounts with gold balances on a statement.

You'll hear people say there are 100 paper claims for every real. To be fair to you, that number gets stretched. It goes back to a comment at a US regulators hearing in 2010 about how much gold is traded compared to how much physically moves, not account of the bars. What is true is far more gold changes hands on paper than ever moves. And in early 2025, when tariff fears kicked off, traders rushed real bars into New York and the stocks in the ComX warehouse hit records.

When people get nervous, they want the real thing, not the promise. Even the London vaults, the heart of the whole gold market, held around 9 and a half thousand tons in the middle of 2026, according to the LBMA. And a lot of that belongs to funds, banks, and central banks held for other people. Which tells you something. Most people who think they own gold actually own a claim on gold sitting in somebody else's vault.

And here's a twist almost nobody mentions. Even gold isn't untouchable. On the 5th of April 1933, President Roosevelt signed an executive order 6102 and Americans had to hand in most of their gold coins and certificates to the government by the 1st of May at $2067 an ounce. The next year, the government reset the price to $35. Overnight, the dollar was worth about 40% less in gold.

So, even gold sits under the law of the land. And it wasn't the last time a president changed the rules on the dollar.

I have directed Secretary Connley to suspend temporarily the convertability of the dollar into gold or other reserve assets except in amounts and conditions determined to be in the interest of monetary stability and in the best interest of the United States.

That's the 15th of August 1971. To understand why it mattered, go back to 1944 when 44 countries met at Breton Woods in New Hampshire and agreed the world's money would be pinned to the dollar and the dollar would be pinned to gold at $35 an ounce. Other countries could hand in their dollars and get gold back. By 1971, there were far more dollars out there than gold to back them, and people knew it. So this was the moment the dollar stopped being swappable for gold and every dollar in the world became well a promise temporarily.

He said it's been over 50 years. Now let's talk about Bitcoin. Bitcoin goes after the gold idea with code instead of metal. There will only ever be 21 million. No vault needed.

It can be on your own device and it can cross the world in minutes. That's why it supporters argue it's built for exactly this kind of moment. And in March 2025, the US government set up a strategic Bitcoin reserve built from Bitcoin it had already seized and treated it like a national asset. But before anyone gets carried away, let's be honest, it's young. Gold's been money for thousands of years.

Bitcoin's had about 17. We've never seen it go through a world war, a great depression, or a full currency reset. And it moves. It hit a record of about $126,000 on the 6th of October 2025. And by the end of June 2026, it had more than halfed.

It's bounced since, but it's still well off the top. And that's crypto full stop, isn't it? I've done this myself, as I'm sure a lot of us have. All through 2022, we checked the portfolio every single day. I even pulled some out to buy back lower and never got the price.

And then there's the critic's favorite comparison, Tulip Mania. Holland. In the winter of 1636 into 1637, people went mad for rare tulip bulbs and some sold for silly money, reportedly as much as a nice house. Then in early February 1637, the buyers vanished and prices fell off a cliff. Now, to be fair, historians who've dug into the record say the damage was a lot smaller than the legend.

But that's a story the doubters reach for every time Bitcoin drops. Half the experts you ask will tell you it's a bubble and the other half will tell you it's the future of money. Big funds own it now through ETFs and the law around it stills being written which means the rules can still shift. So where does XRP sit in all of this? Because I know that's what you're thinking.

Here's what's documented. Ripple has worked with central banks on digital currency projects. Montenegro signed an agreement with Ripple in 2023 and Palao ran a pilot of a dollar stable coin on the XRP ledger. Those are pilots, not launched currencies. Here's the rumor you all seen everywhere.

That XRP becomes the bridge every country's money runs through after the reset. And here's the honest bit. No central bank anywhere has announced it will back or settle its currency with XRP. That's a belief you decide. But here's what really matters for this video.

Since November 2025, you can buy XRP through ETFs on the US stock market. Handy. But think about what you actually own there. You own shares in a fund. The fund holds the XRP, not you.

The same coin can be held two completely different ways. And which way you hold it decides whether it behaves like gold in your hand or like paper gold. Keep that in mind because it comes back at the end. Next, cash. A lot of countries are now working on CBDC's, central bank digital currencies.

Think of it as cash, but it only exists on a screen and it comes straight from the central bank itself. The Atlantic Council tracks this and as of May 2026, 146 countries covering over 98% of the world's economy are looking at one. Three have launched. Now, you might say, "My money is already on a screen." True. But right now, that's a balance at your high street bank.

A CBDC would cut the high street bank out and make it the government's own money. Now, in America, it's gone the other way. In July 2026, a ban on the Fed issuing a digital dollar became law through to the end of 2030, tucked inside a housing bill. Europe, on the other hand, is still pushing on with the digital euro with a possible first issue in 2029, and the Bank of England still hasn't decided on a digital pound. So, a lot of people think cashes on borrowed time.

Well, maybe, but I'd argue the bigger lesson about cash already happened. Cyprus 2013.

Banks, as you just mentioned, have been closed now for 10 days and people really have uh not had much of a access at all to their money. Just uh late yesterday, the government here put a limit on withdrawals from cash machines at €100. That's the most anyone in this country can withdraw from their bank and through through cash machines while the branches remain shut.

Banks shut for days, €100 a day from the cash machine. And in the end, Bank of Cypress customers lost 47 and a half% of everything they had over a€100,000. It was turned into shares in the bank. That's the thing about money in a bank. It isn't cash in your hand.

It's a promise from the bank. And the day the bank can't keep the promise, you'll find out it was only ever a promise. Bricks and mortar are a funny one. A house isn't going anywhere, which is great until you remember that's exactly why it's the easiest thing in the world for a government to put a tax on. On the plus side, people will always need a roof over their heads, so it never goes to zero.

Here's a little bit of history the property crowd don't love. After 1923, a lot of German homeowners had seen their mortgages wiped out by the inflation. So from 1924, Prussia and other German states after it brought in attacks on rents, the housing st to claw some of that windfall back and they used it to build social housing. So property got through the reset, but the government still came knocking for its share. And that's why the people who talk about reset tend to prefer land and homes away from the cities, places that can look after themselves when things get messy.

What about stocks and shares? A share only exists as an entry on an exchange held through a broker valued in whatever the money of the day is. So if the money changes, so does the share. Look at Zimbabwe. In 2008, its inflation went so far off the scale that prices were doubling in about a day.

The stock exchange simply stopped trading in November 2008. And when it reopened in February 2009, it was trading in US dollars because the Zimbabwe dollar was finished. If you held shares there, you didn't decide what they'd be worth in new money. Someone else did. And that brings us to the scary one.

Everything you've put away for later. The pension pot, the ISA or 401k, the savings account. If the money system gets rebuilt, who decides what happens to all that? Now, here's a theory you'll hear in a lot of reset videos. That AI and robots take so many jobs that governments end up paying everyone a basic income, whether they work or not.

And to fund it, the bigger savings pots and pensions get capped, trimmed, or written down, and it all gets sold to us as the fair thing to do. Now, here's what's documented. Basic income has been triled. Here in the UK, Wales paid a small group of young carelevers £1,600 a month for 2 years. But no country runs a national basic income, and no government in the US or the UK has a plan to write down people's pensions.

That's a rumor. you decide. But it's worth hearing what Dalio says about where the pressure lands.

There's an important difference between wealth and money. Okay? Uh wealth is in a sense easy to create, but you can't spend wealth. You have to se sell wealth in order to get money to spend it. And so when there's a lot of borrowing to buy those assets or there could be even a wealth tax where you need to sell wealth in order to make money, then you have to then you have a bubble bursting.

And look at the numbers he's worried about. America's national debt went past $40 trillion in 2026. And in the 2025 financial year, the US spent more on interest than it did on its entire military. When a country's in that kind of hole, history says it reaches for the people who've got something, not always with a law, sometimes just with inflation, quietly shrinking what your savings can buy. So, here's where it all comes together.

Remember I said there was one question that decides almost all of it. It's this. Who's holding it? Look back at the everyday stuff we've been through. The money in Cyprus was a promise from a bank.

And when the bank went under, the promise shrank. Gold in someone else's vault is a promise from the vault. Your shares are a line in a broker's system. Your pensions a promise from a fund. Every one of them is only as good as whoever's holding it for you.

And it's exactly the same with crypto. Bitcoin or XRP sitting on exchange or inside a fund is a promise from that platform. Crypto in your own wallet on your own keys is held by you. Same coin, completely different thing. So before anyone talks about what you should own, the first thing I'd look at is who's actually holding what you've already got.

So be honest with me. If a reset came next year, which of these would you trust the most? Gold, Bitcoin, XRP, property, or cash under the mattress? Tell me in the comments. You know, I like to read them.

So, who's actually holding your crypto? Well, that's exactly what our research team helps with, and they're the best in the game. They dig through this every day. members hear it first and they help you get your crypto on your own keys and put it to work while you wait. A plan, not guesswork. Grab a free 15-minute chat with the team.

It's the first link under this video. It's built for people holding $50,000 or more in crypto. And if that's not you yet, no stress at all. Keep watching. These go up every day.

None of this is financial advice, guys. It's just me, a coffee, and a lot of research. Crypto carries risk, and what's happened before is no guarantee of what happens next. Your keys stay with you and the team never needs them. Thanks for watching guys.

Keep your head stack with purpose and I'll keep you posted. [music] [music]

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