SEC Proposes XRP As A Strategic Financial Asset For The U.S.

• The SEC has proposed XRP as a Strategic Financial Asset for the U.S. financial developments.
• This comes amid the ongoing case between the SEC and Ripple since December 2020.
• The proposal highlights steps to integrate XRP and addresses measures to resolve the conflict.

The SEC has been involved in a prolonged legal battle with Ripple since 2020. The primary allegation was placed on the question of whether XRP constitutes an unregistered security. As noted, the XRP coin has significant implications for its use in financial systems. However, on March 12, 2025, the SEC released a document proposing the integration of XRP as a Strategic Financial Asset for the U.S.

SEC vs Ripple Case

Earlier to this event, on December 22, 2020, the SEC filed their lawsuit against Ripple, its co-founder Christian Larsen, and CEO Brad Garlinghouse, for raising over $1.3 billion through an unregistered securities offering. The complaint claims that they sold $600 million worth of XRP without providing necessary disclosures. District Judge Analisa Torres later fined Ripple to pay a $125 million penalty. 

In the course of these proceedings, Fox News journalist Eleanor Terret, updated in her X post that the case is nearing resolution, with delays due to Ripple negotiating better terms on the fine and injunction.

Related: Trump’s Crypto Reserve Sparks Huge SOL, XRP, TRUMP Transfers

SEC’s Proposal

Amid this ongoing case, the SEC’s newly released document titled “Comprehensive Proposal: XRP as a Strategic Financial Asset for the U.S.”. In the document, it has been proposed to replace SWIFT with XRP for Nostro accounts. It is estimated that this move could free up $1.5 trillion in capital and save $7.5 billion annually in transaction fees. The proposal also addressed the complications for SEC DOJ (Department of Justice) and provided a pathway for resolution. Additionally, a 24-month implementation plan for XRP integration was also included in the proposal.

Apart from these, there were measures to lift the XRP contact ban with the SEC and clarification on Trump’s Bitcoin Reserve strategy, which explored the roles of different cryptocurrencies. This is great news for XRP and its future trajectory. Its long-term goal to hit a $10 dollar can be made possible if the SEC’s proposal becomes a reality.

Moreover, this news has ultimately resulted in a slight increase in XRP’s price. It has climbed by 3% in value from the previous day and was exchanging hands at $2.29, during press time.

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