XRP is finding itself at the center of a fresh policy discussion in the United States.
Arizona lawmakers have advanced legislation that would allow the state to hold XRP as part of a proposed Digital Assets Strategic Reserve Fund. The bill passed a key committee vote 4–2 and now moves forward in the legislative process.
For XRP, an asset that has spent years navigating regulatory pressure, inclusion in a state-level reserve proposal could mean a shift in tone. It places the token within a public finance framework rather than a courtroom debate.
The proposed Digital Assets Strategic Reserve Fund would be overseen by Arizona’s State Treasurer. The fund would include digital assets seized or surrendered to the state, along with funds appropriated by lawmakers.
Under the bill, the Treasurer would be permitted to invest funds held in the reserve during a fiscal year and lend digital assets to generate additional returns, provided such activity does not increase financial risk to the state. Lawmakers have also stated that the measure is not expected to impact Arizona’s General Fund.
The legislation outlines broad eligibility criteria. It names Bitcoin, DigiByte and XRP, as well as stablecoins, non-fungible tokens and other digital-only assets that confer economic or proprietary rights.
The bill also introduces a framework for assessing “cryptocurrency fair value,” using metrics such as market capitalization, network activity and decentralization. That language points to a fundamentals-based evaluation rather than a purely speculative view.
For XRP holders, being included in such criteria reinforces the argument that the token is being judged on its utility and network characteristics.
The bill still faces additional debate and votes. Nothing is final. Yet reaching this stage suggests that digital assets, including XRP, are increasingly being treated as components of financial infrastructure rather than niche experiments.
The State Treasurer would manage seized or allocated digital assets, invest them prudently, and lend holdings like XRP without raising risk.
It signals policy recognition of XRP as financial infrastructure, shifting focus from past regulatory battles to utility and network fundamentals.
Lawmakers say the plan won’t affect the General Fund, as the reserve uses seized assets or specific appropriations.
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