經過長時間的合法拔河後，Ripple終於陷入了休息

報導表明，唐納德·特朗普總統的團隊將XRP視為建立強大比特幣（BTC）儲備的關鍵參與者。

After a lengthy legal battle that finally saw some progress under President Biden's administration, President Donald Trump's team is reportedly considering a unique proposal to utilize XRP in a massive Bitcoin (BTC) reserve initiative.

經過一項漫長的法律鬥爭，最終在拜登（Biden）政府的政府領導下取得了一些進展，據報導，唐納德·特朗普（Donald Trump）總統的團隊正在考慮一項獨特的提議，以在大規模的比特幣（BTC）儲備金計劃中利用XRP。

According to a new proposal submitted to the US SEC, including XRP in the US financial system could unlock $1.5 trillion in liquidity, which could then be used to buy Bitcoin. However, this idea faces major regulatory hurdles and it remains to be seen if the government will show any interest in it.

根據提交給美國SEC的一項新提案，包括美國金融系統的XRP可能會釋放1.5萬億美元的流動性，然後可以用來購買比特幣。但是，這個想法面臨著主要的監管障礙，政府是否會對它表現出任何興趣還有待觀察。

How XRP Could Free Up Trapped Funds

XRP如何釋放被困的資金

In a five-page proposal, Maximilian Staudinger suggests that the US should use XRP to free up capital currently trapped in Nostro accounts. These accounts, used for cross-border transactions, hold about $27 trillion globally, with around $5 trillion belonging to US banks. By using XRP, Staudinger believes that $1.5 trillion could be released each year and redirected toward Bitcoin purchases.

在一份五頁的提案中，馬克西米利安·斯圖格（Maximilian Staudinger）建議美國應該使用XRP釋放當前被困在鼻台帳戶中的資本。這些帳戶用於跨境交易，全球約有27萬億美元，約有5萬億美元屬於美國銀行。通過使用XRP，Staudinger認為每年可以釋放1.5萬億美元，並將其重定向到比特幣購買。

He also proposes a structured crypto reserve system for the US, with Bitcoin at the center and Solana and Cardano for government applications. However, he insists that XRP is the most important asset for handling financial transactions.

他還為美國提出了一個結構化的加密保護儲備系統，中心的比特幣，索拉納（Solana）和卡爾達諾（Cardano）用於政府申請。但是，他堅持認為XRP是處理金融交易的最重要資產。

Bold Bitcoin Claims Raise Questions

大膽的比特幣要求提出問題

One of the more questionable parts of the proposal is the claim that the US could buy 25 million Bitcoin at $60,000 per coin. This is impossible since Bitcoin’s total supply is only 21 million. Still, the proposal argues that using XRP could save the US up to $7.5 billion in transaction fees annually and make government payments, like Social Security and tax refunds, faster and cheaper.

提案中最有問題的部分之一是，美國可以以每枚硬幣60,000美元的價格購買2500萬比特幣。這是不可能的，因為比特幣的總供應只有2100萬。儘管如此，該提案仍認為，使用XRP可以每年節省美國75億美元的交易費用，並進行政府付款，例如社會保障和退稅，更快，更便宜。

Regulatory Challenges Stand in the Way

監管挑戰阻礙

Despite its ambition, the proposal faces a big setback—XRP’s unclear regulatory status. Staudinger urges the SEC to classify XRP as a payment asset instead of a security. He also calls on the Department of Justice to lift restrictions preventing banks from using XRP.

儘管有野心，該提案仍面臨巨大的挫折 - XRP的監管狀況不清楚。 Staudinger敦促SEC將XRP分類為付款資產，而不是安全性。他還呼籲司法部提高限制，以防止銀行使用XRP。

To speed things up, he suggests a presidential executive order to bypass regulatory delays. His plan includes two timelines: a standard 24-month rollout with standard regulatory approval, government payments, and bank adoption, or opting for a fast-track 6-12 month timeline using executive orders and Fed mandates for quick XRP integration. While ambitious, the fast-track approach could work given Ripple’s existing global liquidity network.

為了加快事情的速度，他建議總統行政命令繞過監管延誤。他的計劃包括兩個時間表：標準的24個月推出，並獲得標準的監管機構批准，政府付款和銀行採用，或者使用執行訂單和快速XRP集成的授權命令選擇快速的6-12個月時間表。雖然雄心勃勃，但鑑於Ripple現有的全球流動性網絡，快速軌道的方法可以起作用。

While the idea itself is interesting, independent proposals like this usually don’t gain much traction unless backed by major financial institutions or government officials. Without strong support, this remains a bold idea rather than a plan that the US is likely to adopt anytime soon.

儘管這個想法本身很有趣，但除非由主要的金融機構或政府官員支持，否則這樣的獨立建議通常不會獲得太多關注。沒有強大的支持，這仍然是一個大膽的想法，而不是美國很快就會採用的計劃。