A recent tweet by crypto researcher SMQKE has drawn attention to new information concerning XRP’s recognition within global banking standards.

加密研究员SMQKE最近的一条推文引起了人们对有关XRP在全球银行标准中认可的新信息的关注。

The tweet, which included a video by XRP YouTuber and crypto enthusiast Working Money, referenced an official Basel Committee letter dated August 19, 2025.

该推文包括XRP YouTuber和Crypto爱好者工作的视频，引用了一封巴塞尔官方委员会的信函，日期为2025年8月19日。

The document from the Bank for International Settlements (BIS) identifies a select group of cryptocurrencies, including XRP, as compliant assets under liquidity classifications set out by Basel III regulations.

国际定居银行（BIS）的文件确定了包括XRP在内的一组加密货币，为巴塞尔三世法规规定的流动性分类中的合规资产。

In the video, Working Money explained that the Basel Committee’s letter classifies certain digital assets as Group 2A crypto assets. Under the committee’s framework, these assets must meet three hedging recognition criteria to be placed in this category.

在视频中，劳动资金解释说，巴塞尔委员会的信将某些数字资产归类为2A组加密资产。在委员会的框架下，这些资产必须符合这一类别中的三个对冲认可标准。

Only Bitcoin, Ethereum, XRP, Solana, and Dogecoin were listed as meeting these requirements. This classification is significant because it means banks can use these assets to meet liquidity requirements established under Basel III standards.

仅将比特币，以太坊，XRP，Solana和Dogecoin列为满足这些要求。此分类很重要，因为这意味着银行可以使用这些资产来满足巴塞尔三世标准建立的流动性要求。

XRP Basel

XRP巴塞尔

“Ripple has a good chance of replacing parts of the existing financial infrastructure.”@WorkingMoneyCH pic.twitter.com/YZWem7iQB6

“ Ripple很有可能更换现有的金融基础设施的部分。”@workingMoneych pic.twitter.com/yzwem7iqb6

— SMQKE (@SMQKEDQG) September 6, 2025

- smqke（@smqkedqg）2025年9月6日

Role of XRP in Liquidity Management

XRP在流动性管理中的作用

According to Working Money, XRP’s potential role extends beyond being a listed compliant asset. He emphasized that XRP allows banks to consolidate reserves into a single bridge asset, which reduces reliance on multiple Nostro accounts and cuts foreign exchange and treasury costs.

根据劳动资金，XRP的潜在角色不仅仅是符合符合性的资产。他强调，XRP允许银行将储量合并为单个桥梁资产，从而减少了对多个nostro帐户的依赖，并削减了外汇和国库成本。

The video highlighted how this streamlines liquidity management and lowers infrastructure expenses associated with processing cross-border payments.

该视频强调了这如何简化流动性管理和降低与处理跨境支付相关的基础架构费用。

Working Money pointed out that Ripple has long envisioned XRP being used as a universal bridge asset, capable of providing banks with liquidity on demand once the market capitalization and trading volumes grow sufficiently.

劳动资金指出，Ripple长期以来一直设想XRP被用作通用的桥梁资产，一旦市值和交易量增长，能够为银行提供流动性。

This aligns with Ripple’s stated goal of reducing opportunity costs for financial institutions by replacing or lowering their dependence on lower-yielding high-quality liquid assets required under Basel III regulations.

这与Ripple的既定目标相吻合，即通过更换或降低其对巴塞尔三世法规要求的较低收益高质量的液体资产的依赖来降低金融机构的机会成本。

Industry Perspectives and Academic Commentary

行业观点和学术评论

The video also cited academic perspectives on the potential role of Ripple and XRP in financial infrastructure. Working Money referenced comments from a professor at the University of Basel, who stated that Ripple has a strong chance of replacing parts of the existing financial infrastructure.

该视频还引用了有关Ripple和XRP在金融基础设施中的潜在作用的学术观点。劳动资金引用了巴塞尔大学一位教授的评论，后者说，波纹很有可能取代现有金融基础设施的一部分。

This view was reinforced by a passage he quoted from earlier research shared by SMQKE, which suggested that whenever protocols and interfaces can be unified and databases synchronized more efficiently, distributed ledger technology such as Ripple’s should be implemented.

他从SMQKE共享的早期研究中引用的一段话加强了这种观点，该段落建议每当协议和接口可以统一并更有效地同步数据库时，就应实施分布式分类帐技术，例如Ripple's。

Examples of centralized systems mentioned in that research included Ripple and the R3 consortium, with both being described as having the potential to replace parts of the financial system.

该研究中提到的集中系统的示例包括Ripple和R3财团，两者都被描述为有可能取代金融系统的一部分。

These observations support the argument that Ripple’s technology and the adoption of XRP as a liquidity tool are not just theoretical but are increasingly being integrated into broader discussions of regulatory frameworks and banking practices.

这些观察结果支持这样的论点：Ripple的技术和XRP作为流动性工具不仅是理论上的，而且越来越多地融入了有关监管框架和银行业务的更广泛讨论中。

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- 时间赛车（@timestabloid1）2025年6月15日

The Basel Committee’s inclusion of XRP in its list of Group 2A liquidity-compliant assets represents a significant step for the cryptocurrency’s role in global finance. As Working Money emphasized, this development shows progress toward real-world utility for XRP within regulated banking structures.

巴塞尔委员会将XRP纳入其2A组符合流动性资产的清单是加密货币在全球金融中作用的重要一步。正如劳动资金所强调的那样，这一发展显示了在受监管的银行结构内对XRP实用程序的进展。

By enabling banks to simplify liquidity management and cut costs, XRP’s classification as a compliant asset could further support its use as a bridge currency in cross-border settlement.

通过使银行能够简化流动性管理和削减成本，XRP作为合规资产的分类可以进一步支持其作为跨境和解中的桥梁货币的用途。

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The post Bank for International Settlements Calls XRP a Liquidity-Compliant Asset appeared first on Times Tabloid.

国际定居点的邮政银行称XRP为符合流动性的资产，首先是Times Tableoid。