XRP in US Digital Asset Stockpile? House Panel Advances H.R. 8957

XRP is back in the spotlight in Washington after a US House panel advanced legislation that would put the federal government’s Bitcoin reserve and broader digital asset stockpile on a statutory footing.

The House Financial Services Committee voted 28-21 on Wednesday to advance H.R. 8957, the American Reserve Modernization Act of 2026. The legislation would establish a Strategic Bitcoin Reserve and a separate Digital Asset Stockpile within the Treasury Department.

The distinction matters for XRP. The bill does not specifically name XRP, Solana (SOL), or Cardano (ADA), and its advancement does not mean the government plans to buy those tokens.

Instead, H.R. 8957 would require non-Bitcoin digital assets held by the federal government to be placed in a separate stockpile. The bill therefore revives attention around which cryptocurrencies could ultimately sit alongside Bitcoin under Washington’s digital asset strategy.

The committee vote comes just days after the Senate failed to advance the CLARITY Act, dealing a setback to the crypto industry’s push for comprehensive market-structure legislation.

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Why XRP Is Back in the Stockpile Conversation

XRP’s connection to the US stockpile debate dates back to President Donald Trump’s broader push for a crypto reserve.

Trump publicly named XRP, SOL and ADA when discussing plans for a US crypto reserve in March 2025. However, the executive order he ultimately signed took a different approach.

Rather than creating a reserve explicitly containing those cryptocurrencies, the March 6 order established two structures: a Strategic Bitcoin Reserve for BTC and a US Digital Asset Stockpile for other government-owned cryptocurrencies.

🚨HUGE: U.S. House Financial Services OFFICIALLY ADVANCES the DIGITAL ASSET STOCKPILE Including Trump-named $XRP 🤯🇺🇸🔥

House Financial Services just advanced H.R. 8957 28–21 — legislation tied to both the Strategic Bitcoin Reserve AND the U.S. Digital Asset Stockpile. 😳

Trump… https://t.co/CvjRBBrE70 pic.twitter.com/G4YUwxtanP

— Diana (@InvestWithD) September 18, 2026

Crucially, the order said the government would not acquire additional non-Bitcoin stockpile assets except through criminal or civil forfeiture proceedings, civil penalties, or further executive or legislative action.

H.R. 8957 would now move much of that architecture into federal law.

Under the bill, Treasury would have 180 days after enactment to establish the Bitcoin reserve and separate stockpile. Qualifying Bitcoin acquired by the government would enter the reserve, while other federal digital assets would enter the stockpile.

That means the legislation does not authorize the Treasury to go into the market and purchase XRP.

Still, its progress puts non-Bitcoin government holdings, and consequently assets such as XRP, back into the policy conversation.

Bitcoin Gets Different Treatment Under House Bill

The proposed framework gives Bitcoin substantially different treatment from other cryptocurrencies.

Bitcoin deposited into the Strategic Bitcoin Reserve would be subject to a minimum 20-year holding period, preventing the government from selling, swapping, auctioning or otherwise disposing of those holdings during that period.

Non-Bitcoin assets would face different rules.

🚨House Financial Services marks up H.R. 8957 today at 10 AM ET — the first committee vote to put a Strategic Bitcoin Reserve into statute🇺🇸

The American Reserve Modernization Act:
🔸Create a Treasury-held BTC reserve within 180 days
🔸Move seized/forfeited Bitcoin into it…

— Rednirav (@CryptoRednirav) September 16, 2026

The legislation gives the Treasury secretary discretion to manage the Digital Asset Stockpile, including through sales, exchanges, or conversions.

Proceeds from those transactions would have to be used to increase Strategic Bitcoin Reserve holdings or reduce the national debt.

The bill would also impose security, auditing, and transparency requirements around the government’s crypto holdings.

That approach builds on Trump’s 2025 executive order, which directed federal agencies to account for their digital assets and sought to centralize the government’s fragmented cryptocurrency holdings.

In practical terms, Bitcoin would receive long-term reserve status, while XRP and other non-Bitcoin assets would fall into a separately managed category if the federal government holds them.

Bill Still Faces a Long Road Through Congress

The 28-21 committee vote is only one step toward enactment.

H.R. 8957 must still clear the full House and then win approval in the Senate before it can reach Trump’s desk. Committee approval does not itself create a new reserve or stockpile.

Its progress is nevertheless notable given the difficult political backdrop for crypto legislation.

The first Strategic Bitcoin Reserve bill just cleared a full House committee.

H.R. 8957 passed 28-21 and would put government-held $BTC under Treasury custody with a 20-year minimum holding period.

Is this the massive Bitcoin buying program we wanted?

No.

But it does… pic.twitter.com/AnyiMAHFU7

— Kyle Chassé 🐸 (@Kylechasse) September 17, 2026

The Senate’s failure this week to advance the CLARITY Act demonstrated the challenge of securing enough bipartisan support for major digital asset legislation. House leaders, however, have maintained that Congress still needs to establish durable rules for the sector.

H.R. 8957 also has some bipartisan backing. The measure was introduced by Republican Rep. Nick Begich of Alaska, with Democratic Rep. Jared Golden of Maine among its cosponsors, although most of its cosponsors are Republicans.

For XRP holders, the key distinction remains what the legislation does, and does not, do.

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