一項建議XRP作為戰略金融資產的提案已提交美國證券交易委員會（SEC）。

SEC經常收到來自個人或實體的建議，但這些提案不會自動導致行動。

A proposal suggesting XRP as a strategic financial asset has been submitted to the U.S. Securities and Exchange Commission (SEC).

一項建議XRP作為戰略金融資產的提案已提交美國證券交易委員會（SEC）。

The SEC often receives unsolicited proposals from individuals or entities, which do not necessarily lead to any action by the commission.

SEC經常收到來自個人或實體的未經請求的建議，這不一定會導致委員會採取任何行動。

The document, seen by Blockworks, suggests how the U.S. could use XRP to unlock liquidity and potentially secure a substantial Bitcoin reserve.

該文件從Blockworks看到，建議美國如何使用XRP解鎖流動性並有可能獲得大量的比特幣儲備。

The proposal’s author, Maximilian Staudinger, suggests a structured approach to President Donald Trump’s crypto reserve initiative, which was first announced in April.

該提案的作者馬克西米利安·斯圖格（Maximilian Staudinger）建議對唐納德·特朗普（Donald Trump）總統的加密儲備倡議採用結構化方法，該計劃於4月首次宣布。

Staudinger’s strategy places Bitcoin at the core of the U.S. reserve while including Solana and Cardano within government applications.

Staudinger的策略將比特幣放在美國預備役的核心，同時在政府申請中包括Solana和Cardano。

He claims that while these blockchains enhance security and efficiency in state operations, XRP remains the key asset for financial transactions.

他聲稱，儘管這些區塊鏈提高了州運營的安全性和效率，但XRP仍然是金融交易的關鍵資產。

“Solana and Cardano should be integrated into U.S. digital infrastructure, but not included in the reserve strategy. Instead, they enhance efficiency and security for state applications, while XRP remains the key asset for financial transactions,” Staudinger wrote.

“ Solana和Cardano應集成到美國數字基礎架構中，但不包括在儲備策略中。相反，它們提高了國家應用程序的效率和安全性，而XRP仍然是金融交易的關鍵資產。” Staudinger寫道。

Considering this, Staudinger asserts that integrating XRP into the traditional financial system would release capital tied up in Nostro accounts. These accounts facilitate cross-border transactions and collectively hold $27 trillion.

考慮到這一點，Staudinger斷言，將XRP集成到傳統金融體系中將釋放在Nostro帳戶中捆綁的資本。這些帳戶促進了跨境交易，並共同持有27萬億美元。

Out of this sum, approximately $5 trillion belongs to the U.S., which could be used to acquire Bitcoin, according to Staudinger. He estimates that XRP could release around $1.5 trillion in liquidity from U.S. banks, enabling the acquisition of 25 million BTC at a price of $60,000 per coin.

據Staudinger稱，在這筆款項中，大約5萬億美元屬於美國，可用於獲取比特幣。他估計，XRP可以從美國銀行釋放約1.5萬億美元的流動性，從而使2500萬BTC以每枚硬幣60,000美元的價格收購。

However, this suggestion contradicts Bitcoin’s fixed 21 million supply cap, which has been a subject of discussion since the proposal was submitted.

但是，這一建議與比特幣固定的2100萬個供應上限相矛盾，這是自提交提案以來的討論主題。

Beyond liquidity, the proposal claims that shifting financial transactions to XRP could generate up to $7.5 billion in annual savings on transaction fees. It also suggests that XRP could streamline government payments, including IRS tax refunds and Social Security distributions.

該提案聲稱，除了流動性之外，將金融交易轉移到XRP可能會產生高達75億美元的交易費用。這也表明XRP可以簡化政府付款，包括IRS退稅和社會保障分配。

Despite its ambitious vision, the proposal recognizes that XRP’s regulatory status remains a critical barrier.

儘管具有雄心勃勃的願景，但該提議認識到XRP的監管狀況仍然是一個關鍵的障礙。

Staudinger calls for the SEC to officially classify XRP as a payment asset rather than a security and urges a resolution in the agency’s ongoing legal battle with Ripple.

Staudinger呼籲SEC正式將XRP歸類為付款資產，而不是擔保，並敦促該機構與Ripple進行的法律鬥爭進行決議。

He also suggests that the Department of Justice (DOJ) lift restrictions preventing banks from utilizing XRP-based solutions. To fast-track adoption, he proposes a presidential executive order to override regulatory barriers.

他還建議，司法部（DOJ）提升限制，阻止銀行利用基於XRP的解決方案。為了快速採用，他提議一項總統行政命令覆蓋監管障礙。

Meanwhile, the document outlines two potential timelines: a standard two-year implementation period and an expedited six- to twelve-month plan.

同時，該文件概述了兩個潛在的時間表：標準的兩年實施期和加快六到十二個月的計劃。

The latter would require immediate regulatory approvals, fast-tracked government XRP trials, and mandates for banks to integrate XRP as a liquidity tool.

後者將需要立即進行監管部門批准，快速跟踪的政府XRP試驗，並要求銀行將XRP整合為流動性工具。

It’s important to note that independent proposals, like Staudinger’s, generally carry little weight unless they are backed by strong industry support or policy interest.

重要的是要注意，像Staudinger這樣的獨立提案通常會承受的重量很少，除非它們得到了強大的行業支持或政策利益的支持。

If a proposal comes from a major financial institution, regulatory body, or industry group, it is more likely to be reviewed seriously.

如果一項提案來自主要的金融機構，監管機構或行業集團，則更有可能認真對待。