In a groundbreaking move, the United States has officially classified XRP as a strategic financial asset rather than a security, granting Ripple Labs long-awaited legal certainty. Under President Donald Trump’s administration, the U.S. aims to unlock $1.5 trillion from global nostro accounts through XRP while bolstering its Bitcoin reserves.
U.S. Reserves Strategy and XRP’s Role
The regulatory shift comes as part of the Securities and Exchange Commission (SEC)’s newly announced framework, positioning XRP as a key player in America’s global financial strategy. According to the proposal, XRP could facilitate the release of $27 trillion locked in global nostro accounts. The U.S. share of this initiative includes a $5 trillion liquidity unlock, with $1.5 trillion set to be deployed in the initial phase.
A significant portion of these funds will reportedly be allocated to strengthen the U.S. strategic Bitcoin (BTC) reserves. President Trump emphasized this direction, stating, “Bitcoin is now America’s strategic digital reserve asset. However, other blockchain projects like XRP, Solana, and Cardano will play a crucial role in our national digital economy.”
XRP’s Legal Clarity Opens New Doors for Banks
Under the SEC’s proposed regulations, XRP is now officially recognized as a payment network and financial instrument rather than a security. This move is expected to resolve Ripple’s long-standing legal battle with the SEC and pave the way for widespread institutional adoption.
Reports from the U.S. Department of Justice indicate that regulatory barriers preventing banks from conducting XRP-based transactions will be lifted. Additionally, the Federal Reserve and Office of the Comptroller of the Currency (OCC) are exploring XRP Ledger (XRPL) integration into the banking system to enhance liquidity management and streamline cross-border payments.

Timeline for Implementation
To facilitate this transition, the SEC has outlined two potential implementation timelines:
- Standard rollout: A 24-month phased approach.
- Accelerated implementation: Completion within 6 to 12 months for rapid integration.
The decision marks a pivotal moment for XRP and the broader crypto industry, potentially reshaping the U.S. financial system’s approach to digital assets. As these regulatory changes unfold, Turkish NY Radio will continue providing updates on the impact of XRP’s evolving role in global finance.