用XRP解锁数万亿美元

3月14日，Maximilian Staudinger向美国证券交易委员会（SEC）提出了有关使用XRP作为关键财务工具的提案

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.

美国公民Maximilian Staudinger已向美国证券交易委员会（SEC）提出了一项建议，建议将XRP集成到该国的金融体系中。该提案日期为3月14日，概述了XRP如何成为美国银行体系和国民经济的关键财务工具。

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.

该文件的标题为“将XRP集成到美国金融系统中的提议”，详细介绍了从当前的Swift System转移到XRP进行国际交易的好处。

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，美国银行在其他国家 /地区持有鼻孔帐户，以促进外汇和跨境支付。这些帐户主要与外国中央银行一起持有，用于处理该特定货币的交易。

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.

如该提案中所述，这些nostro帐户与美国银行系统的无可及性约为1.5万亿美元。可以通过使用XRP进行国际交易来释放这项资本并将其再循环到美国经济中。

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

据报道，在世界上最大的资本储备中，约有30％的储物储备在Nostro帐户中持有，大约5万亿美元。

“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.

该提议写道：“采用XRP将使美国银行能够利用这一机会，并解锁目前无法使用的1.5万亿美元的大部分。”

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，切换到XRP可以节省美国银行系统每年75亿美元的交易费用。这些资金可以进一步投资于比特币，以加强该国在数字货币市场中的地位。

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.

该提案还提到了联邦支付系统（例如国税局和社会保障付款）的潜在节省，随着XRP的采用，这可能会在10年内总计5000亿美元。

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.

为了促进XRP的集成，Staudinger建议SEC将XRP重新分类为付款网络，而不是安全性。这种调整将有助于解决Ripple当前面临的法律纠纷。

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，他建议司法部（DOJ）消除了阻止银行在其国际支付系统中使用XRP的任何法律障碍。

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.

该提案包括一项24个月实施XRP的计划，首先要从SEC和DOJ获得法律许可。之后，政府将测试XRP的政府付款，例如退税和社会保障。随后，银行将在其系统中采用XRP。最后，随着时间的流逝，美国可以建造比特币储备。

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.

为了加快这一过程，Staudinger提出了一个加速时间表，并通过总统行政命令在1-3个月内快速进行法律许可。一项由国库支持的试点计划可以在几个月内开始在政府付款中测试XRP，而银行可能会在不到一年的时间内进行全面收养。该计划表明，可以在6-12个月内建立国家比特币储备。

“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.

该提议总结说：“将XRP的整合到美国金融体系中不仅会简化并提高金融交易的效率，而且还会为美国带来可观的经济利益。”