I am not a crypto expert by any means... but...

From what I understand, if the US was to switch to a new digital currency that was gold & silver backed and interchangable with real money like gold and silver coins and gold backed dollars, which already exist...

They would need something like XRP so that anyone that has money tied up in bank accounts, could be swapped with the new money/wallet. They can do this all programatically using small amounts to start.

Am I on point or wayyy off? Open to feedback. :)