XRP Proposal Suggests Trillions in Economic Gains for the U.S.

• The proposal suggests XRP could free up $1.5 trillion in capital and cut banking fees by $7.5 billion through full financial integration.
• A fast-track process through a Presidential Executive Order could allow XRP to be tested in government payments within months.
• Bitcoin is proposed as a reserve asset, while XRP could serve as the primary currency for transactions in the U.S. financial system.

A document found on the U.S. Securities and Exchange Commission’s website has sparked discussions over a potential plan to integrate Ripple’s XRP into the U.S. financial system. The proposal, attributed to Maximilian Staudinger, suggests that XRP could free up $1.5 trillion in capital and reduce banking fees by $7.5 billion. The unverified document details a phased approach, with full financial integration anticipated by March 2026.

A six-month blueprint exists for resolving the legal issues involving XRP. XRP should be classified as a payment network by the SEC to eliminate regulatory restrictions that prevent its adoption. A Presidential Executive Order can potentially speed up the procedure to test XRP in government transactions according to the proposed document.

Government Testing and Banking Adoption

By September 2025, according to the proposal, the U.S. government could begin testing XRP for federal payments, including tax refunds and Social Security distributions. If successful, the plan envisions a full-scale rollout where banks adopt XRP to replace traditional payment systems. By March 2026, the document suggests XRP could be fully integrated into the financial sector, streamlining transactions and increasing liquidity.

The document also addresses the role of Bitcoin in the U.S. financial landscape. It suggests that while Bitcoin could serve as a strategic reserve asset, XRP would be positioned as the country’s primary transaction currency. Other cryptocurrencies like Solana and Cardano might play supporting roles in government services but would not be part of the broader reserve strategy.

Uncertainty Surrounding the Document

Several doubts exist regarding the proposal’s legitimacy because it upholds both a structured timeline alongside specific recommendations. The document exists on the SEC website without confirmation if it represents an official stance of the U.S. government. Speculation has grown since the proposal’s emergence because it highlights potential market effects of XRP’s network deployment.