XRP News Today: XRP Holders Can Borrow 20% of Holdings to Buy Real Estate

Crypto commentator MrAQUAMAN33 has introduced a concept of financial independence through the use of digital assets, specifically XRP, in the acquisition of real estate. In a post on X, he wrote, “XRP Millionaire? Borrow Against Crypto to Buy Real Estate! BE YOUR OWN BANK.” He captioned a video in which the speaker elaborates on a potential strategy for leveraging digital assets without the need to liquidate them.

The video references a comment from someone named Sergei, who posed the idea of earning yield from the equity in a property. The speaker responds by clarifying this idea and addressing skepticism, stating that viewers should not be dismissive.

The speaker proposes a hypothetical scenario in which an individual becomes a multimillionaire through XRP holdings. In this example, the person owns $10 million worth of XRP. Rather than selling the digital asset to access funds, the individual uses a decentralized, non-custodial protocol—Metal X Lending—to borrow against their XRP holdings. He explains that this lending platform allows the user to access capital by using their XRP as collateral, with no set repayment timeframe and minimal interest costs, described as “usually a sliver of a percent to pay it back.”

With this approach, the individual can borrow, for example, $2 million to purchase a cash home, without selling any XRP. The transaction is described as a self-issued loan using one’s crypto assets. After acquiring the home with borrowed funds, the next step outlined in the video involves tokenizing the purchased property. The speaker refers to platforms that facilitate this process, specifically naming Lofty, which operates on the Algorand blockchain, and another emerging project, PRYPCO Mint Project. According to him, PRYPCO is a regulated initiative based in Dubai that is developing real estate tokenization on the XRP Ledger (XRPL).

He emphasizes that this is not theoretical but an active opportunity, describing PRYPCO’s project as one that participants “can partake in right now.” The concept of tokenized real estate is presented as a key innovation, with the speaker stressing the importance of regulation in PRYPCO’s framework, highlighting its alignment with compliant practices in Dubai’s regulatory environment.

This vision presents a strategy for retaining ownership of digital assets while simultaneously using them to gain access to real-world property. By leveraging lending protocols like Metal X Lending, XRP holders could theoretically avoid selling their tokens and instead treat them as collateral. The borrowed funds could be used to make high-value purchases, such as real estate, while the asset is held and potentially continues to appreciate.

The second phase, involving tokenization, is framed as a way to integrate the property into the digital asset ecosystem. Through platforms like Lofty or PRYPCO, the tokenized real estate could potentially be fractionalized or yield-generating, depending on the platform’s functionality and regulatory standing. The overall message is directed at individuals who believe in the future value of XRP and other digital assets. The speaker’s position is clear: with the appropriate tools and platforms, holders of crypto assets do not need to rely on traditional banks or liquidate their holdings to access capital or acquire physical assets, such as real estate. Instead, they can “be their own bank,” as the tweet’s caption suggests, by using decentralized protocols and asset tokenization in combination.