一项建议XRP作为战略金融资产的提案已提交美国证券交易委员会（SEC）。

SEC经常收到来自个人或实体的建议，但这些提案不会自动导致行动。

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

一项建议XRP作为战略金融资产的提案已提交美国证券交易委员会（SEC）。

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

SEC经常收到来自个人或实体的未经请求的建议，这不一定会导致委员会采取任何行动。

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

该文件从Blockworks看到，建议美国如何使用XRP解锁流动性并有可能获得大量的比特币储备。

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

该提案的作者马克西米利安·斯图格（Maximilian Staudinger）建议对唐纳德·特朗普（Donald Trump）总统的加密储备倡议采用结构化方法，该计划于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的策略将比特币放在美国预备役的核心，同时在政府申请中包括Solana和Cardano。

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

他声称，尽管这些区块链提高了州运营的安全性和效率，但XRP仍然是金融交易的关键资产。

“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应集成到美国数字基础架构中，但不包括在储备策略中。相反，它们提高了国家应用程序的效率和安全性，而XRP仍然是金融交易的关键资产。” Staudinger写道。

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.

考虑到这一点，Staudinger断言，将XRP集成到传统金融体系中将释放在Nostro帐户中捆绑的资本。这些帐户促进了跨境交易，并共同持有27万亿美元。

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.

据Staudinger称，在这笔款项中，大约5万亿美元属于美国，可用于获取比特币。他估计，XRP可以从美国银行释放约1.5万亿美元的流动性，从而使2500万BTC以每枚硬币60,000美元的价格收购。

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，这一建议与比特币固定的2100万个供应上限相矛盾，这是自提交提案以来的讨论主题。

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.

该提案声称，除了流动性之外，将金融交易转移到XRP可能会产生高达75亿美元的交易费用。这也表明XRP可以简化政府付款，包括IRS退税和社会保障分配。

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

尽管具有雄心勃勃的愿景，但该提议认识到XRP的监管状况仍然是一个关键的障碍。

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呼吁SEC正式将XRP归类为付款资产，而不是担保，并敦促该机构与Ripple进行的法律斗争进行决议。

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.

他还建议，司法部（DOJ）提升限制，阻止银行利用基于XRP的解决方案。为了快速采用，他提议一项总统行政命令覆盖监管障碍。

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

同时，该文件概述了两个潜在的时间表：标准的两年实施期和加快六到十二个月的计划。

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

后者将需要立即进行监管部门批准，快速跟踪的政府XRP试验，并要求银行将XRP整合为流动性工具。

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这样的独立提案通常会承受的重量很少，除非它们得到了强大的行业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.

如果一项提案来自主要的金融机构，监管机构或行业集团，则更有可能认真对待。