用XRP解鎖數万億美元

3月14日，Maximilian Staudinger向美國證券交易委員會（SEC）提出了有關使用XRP作為關鍵財務工具的提案

A U.S. citizen, Maximilian Staudinger, has presented a proposal to the Securities and Exchange Commission (SEC) suggesting the integration of XRP into the country’s financial system. The proposal, dated March 14, outlines how XRP could be a key financial tool for the U.S. banking system and the national economy.

美國公民Maximilian Staudinger已向美國證券交易委員會（SEC）提出了一項建議，建議將XRP集成到該國的金融體系中。該提案日期為3月14日，概述了XRP如何成為美國銀行體系和國民經濟的關鍵財務工具。

The document, titled “Proposal For The Integration Of XRP Into The U.S. Financial System,” details the benefits of shifting from the current SWIFT system to XRP for international transactions.

該文件的標題為“將XRP集成到美國金融系統中的提議”，詳細介紹了從當前的Swift System轉移到XRP進行國際交易的好處。

Currently, U.S. banks hold Nostro accounts in other countries to facilitate foreign exchange and cross-border payments. These accounts, mainly held with the central bank of the foreign country, are used to handle transactions in that specific currency.

目前，美國銀行在其他國家 /地區持有鼻孔帳戶，以促進外彙和跨境支付。這些帳戶主要與外國中央銀行一起持有，用於處理該特定貨幣的交易。

As stated in the proposal, these Nostro accounts have around $1.5 trillion tied up inoperability with the U.S. banking system. This capital could be released and recirculated into the U.S. economy by using XRP for international transactions.

如該提案中所述，這些nostro帳戶與美國銀行系統的無可及性約為1.5萬億美元。可以通過使用XRP進行國際交易來釋放這項資本並將其再循環到美國經濟中。

Out of the world’s largest capital reserves, around 30% is reportedly held in Nostro accounts, which translates to approximately $5 trillion.

據報導，在世界上最大的資本儲備中，約有30％的儲物儲備在Nostro帳戶中持有，大約5萬億美元。

“Adopting XRP would allow U.S. banks to capitalize on this opportunity and unlock a significant portion of the $1.5 trillion that is currently unusable,” the proposal reads.

該提議寫道：“採用XRP將使美國銀行能夠利用這一機會，並解鎖目前無法使用的1.5萬億美元的大部分。”

Moreover, switching to XRP could save the U.S. banking system $7.5 billion annually in transaction fees. These funds could be further invested in Bitcoin to strengthen the country’s position in the digital currency market.

此外，切換到XRP可以節省美國銀行系統每年75億美元的交易費用。這些資金可以進一步投資於比特幣，以加強該國在數字貨幣市場中的地位。

The proposal also mentions potential savings in federal payment systems, such as IRS and Social Security payments, which could total $500 billion over 10 years with the adoption of XRP.

該提案還提到了聯邦支付系統（例如國稅局和社會保障付款）的潛在節省，隨著XRP的採用，這可能會在10年內總計5000億美元。

To facilitate the integration of XRP, Staudinger suggests that the SEC reclassify XRP as a payment network rather than a security. This adjustment would aid in settling the legal disputes currently faced by Ripple.

為了促進XRP的集成，Staudinger建議SEC將XRP重新分類為付款網絡，而不是安全性。這種調整將有助於解決Ripple當前面臨的法律糾紛。

Additionally, he suggests that the Department of Justice (DOJ) remove any legal impediments preventing banks from utilizing XRP in their international payment systems.

此外，他建議司法部（DOJ）消除了阻止銀行在其國際支付系統中使用XRP的任何法律障礙。

The proposal includes a 24-month plan for implementing XRP, beginning with securing legal clearance from the SEC and DOJ. Afterward, the government would test XRP for government payments like tax refunds and Social Security. Subsequently, banks would adopt XRP in their systems. Finally, over time, the U.S. could build a Bitcoin reserve.

該提案包括一項24個月實施XRP的計劃，首先要從SEC和DOJ獲得法律許可。之後，政府將測試XRP的政府付款，例如退稅和社會保障。隨後，銀行將在其係統中採用XRP。最後，隨著時間的流逝，美國可以建造比特幣儲備。

To expedite the process, Staudinger proposes an accelerated timeline with a Presidential Executive Order to fast-track the legal clearance within 1-3 months. A Treasury-backed pilot program could commence testing XRP in government payments within a few months, and full adoption by banks could occur in less than a year. The plan suggests that a national Bitcoin reserve could be established within 6-12 months.

為了加快這一過程，Staudinger提出了一個加速時間表，並通過總統行政命令在1-3個月內快速進行法律許可。一項由國庫支持的試點計劃可以在幾個月內開始在政府付款中測試XRP，而銀行可能會在不到一年的時間內進行全面收養。該計劃表明，可以在6-12個月內建立國家比特幣儲備。

“The integration of XRP into the U.S. financial system would not only streamline and enhance the efficiency of financial transactions but also yield substantial economic benefits for the United States,” the proposal concludes.

該提議總結說：“將XRP的整合到美國金融體系中不僅會簡化並提高金融交易的效率，而且還會為美國帶來可觀的經濟利益。”