- A new proposal outlines a timeline for full XRP adoption by March 2026.
- XRP could free up $1.5 trillion in banking liquidity and save $7.5 billion.
- SEC can also classify XRP as a payment network to eliminate legal barriers.
A new proposal by Maximilian Staudinger, found on the SEC website, suggests Ripple’s XRP could unlock trillions in economic potential for the US, freeing up $1.5 trillion and cutting $7.5 billion in fees.
According to the unverified document, the plan outlines a phased approach, beginning with a six-month sprint to resolve legal issues. The proposal suggests that by September 2025, the government would begin testing XRP for payments like tax refunds and Social Security disbursements. It further claims that full integration would follow, with banks adopting XRP to replace traditional banking systems by March 2026.
The proposal also includes a fast-track process, enabling legal clearance within months through a Presidential Executive Order, with XRP testing in government payments soon after. The document suggests that if adopted, full financial integration could be achieved in under a year, and the freed-up capital could be used to acquire Bitcoin, creating a U.S. digital currency reserve.
Related: XRP Price: From Moonshots to Lawsuits, the Debate Rages On
XRP’s Legal Roadblock
The main issue holding back XRP is its ongoing legal battle with the U.S. Securities and Exchange Commission (SEC).
The proposal recommends that the SEC classify XRP as a payment network, rather than a security, clearing the way for full integration into U.S. banks and financial systems.
Bitcoin vs. XRP: Proposed Roles
The proposal also addresses President Donald Trump’s comments on Bitcoin. While Bitcoin could be a strategic reserve asset, XRP would be positioned as the main cryptocurrency used for transactions and payments in the U.S. Other cryptocurrencies like Solana and Cardano could help with government services but wouldn’t be part of the reserve strategy.
Related: XRP’s Resilience: Analysts Bet on Major Gains, Key Catalysts Emerge
The big unknown: Is this a real government plan? Despite the detailed timeline, there’s some confusion over the document’s origin. Some have claimed it wasn’t officially produced by the SEC, and it’s still unclear if the proposal represents any official government position. However, its presence on the SEC’s website has raised eyebrows – and fueled speculation on the document’s veracity.
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