XRP as a Strategic Liquidity Tool
Maximilian Staudinger, the proposal’s author, supports a structured approach to a US crypto reserve. He suggests placing Bitcoin at the core while using Solana and Cardano for government applications. However, he believes XRP is the best choice for financial transactions.
According to Staudinger, integrating XRP into the financial system could free up $1.5 trillion of the $5 trillion tied up in US Nostro accounts. He claims this liquidity could be redirected to Bitcoin purchases.
Beyond liquidity, the proposal suggests XRP could save the US up to $7.5 billion annually on transaction fees. It also proposes using XRP for government payments, such as tax refunds and Social Security.
Regulatory Hurdles Remain
Despite its ambitious goals, the proposal faces regulatory challenges. Staudinger urges the SEC to classify XRP as a payment asset rather than a security. He also suggests lifting banking restrictions on XRP-based solutions.
To accelerate adoption, he proposes a presidential executive order. His plan includes a two-year timeline or a faster six- to twelve-month implementation.
However, independent proposals like this rarely gain traction unless backed by major financial institutions or regulatory bodies.
