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XRP 美国众议院金融服务委员会通过《2026年美国储备现代化法案》，推动战略比特币储备与数字资产库存落地
9月16日，美国众议院金融服务委员会以28票赞成、21票反对的结果，通过了H.R. 8957号法案——《2026年美国储备现代化法案》（American Reserve Modernization Act of 2026），标志着该立法进程迈出关键一步。该法案提议在美国财政部下属设立两个独立的加密货币相关储备机构：战略比特币储备（Strategic Bitcoin Reserve）和美国数字资产库存（U.S. Digital Asset Stockpile）。
H.R. 8957法案的核心内容
根据H.R. 8957号法案的规定，比特币将被纳入“战略比特币储备”，政府需持有这些资产至少20年。除比特币以外的其他数字资产（包括各类代币）则归入“美国数字资产库存”管理。
目前持有任何形式数字资产的联邦机构，须在法案生效后的60天内申报其持有的资产情况；财政部则需在披露完成后30天内接管这些资产的管理权。为提升透明度，法案要求每季度公开“储备证明”（Proof of Reserve）报告，确保公众和市场参与者能够对政府持有的加密货币资产进行监督和审计。
As the Financial Services Committee voted 28 - 21 to advance the bill, the "strategic bitcoin reserve" and the "U.S. digital asset inventory" that covers assets such as XRP are one step closer to reality. This marks the first time that such legislation has made substantial progress at the U.S. Congressional level.
XRP's status in government digital asset inventories
XRP is clearly included in the category of "U.S. digital asset inventories." Previously, when President Donald Trump elaborated on his administration's early crypto reserve proposals, he specifically named XRP and tied it with Solana and Cardano. The administrative order he issued in March 2025 laid the legal foundation, while H.R. Bill 8957 provides a permanent legal basis for these measures.
The bill identifies XRP as a digital asset held by the government, distinguishing it from most other cryptocurrencies that are not officially recognized. This is the first time that XRP has been formally recognized in a vote related to the House digital asset reserve.
Long-term Impact and Market Background
XRP was included in the digital asset inventory, laying a formal institutional foundation for its long-term value, indicating that it has been accepted to a certain extent in the U.S. government policy framework. In addition, protections in the bill prohibit agencies from selling, mortgage or disposing of digital assets, including XRP, during the transition period until they are transferred to the Treasury Department for custody.
Congress recognizes XRP as part of strategic reserves, giving it greater legitimacy among institutional investors and retail market participants. Relevant agencies must report and maintain these assets in accordance with strict transparency rules.
At the same time, traditional financial markets are undergoing transformation, and Wall Street is increasingly exploring Web3 infrastructure. Investors are turning to platforms such as 1stepSwap, which allows users to hold U.S. stocks, gold and silver directly in cryptocurrency wallets by tokenizing real-world assets (RWA) and provides rapid price discovery mechanisms between markets, thereby bypassing traditional brokers and intermediaries.
Next steps for the bill
Despite legislative progress, H.R. Bill 8957 has not yet become law. It still needs to be approved by a full vote in the full house and approved by the Senate before it can be submitted to the president for signature. Currently, a timetable for subsequent voting has not yet been determined.
This vote follows the Senate's recent veto of the CLARITY Act, further highlighting the focus on digital asset policy. As legislation moves into the next stage of Congress, whether XRP and other tokens will be included in the formal reserve structure will continue to be closely watched.
