XRP investors are exploring a new approach to real estate acquisition that does not involve traditional banks or property loans. The method, gaining attention after a post by crypto commentator MrAQUAMAN33, involves borrowing against XRP holdings to fund home purchases.
According to MrAQUAMAN33, XRP holders can access capital through a decentralized finance platform known as Metal X Lending. A solution to this is that users can keep their XRP in staking and access cash without having to sell it.
With no fixed repayment term and only minimal interest, the approach provides financial flexibility while maintaining full crypto ownership.
The suggested scenario involves an individual holding $10 million worth of XRP. Rather than selling any part of their ownership, the owner gets a $2 million loan from the platform to make the cash payment for their home. The process does not include banks or lenders because it is funded by a self-issued loan supported by crypto.
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Tokenization Adds a New Layer to Crypto-Backed Property Ownership
Following the property purchase, the next step in the strategy involves integrating the home into the blockchain ecosystem through tokenization. MrAQUAMAN33 referenced platforms such as Lofty and PRYPCO, both of which facilitate the process of converting physical real estate into digital tokens.
Lofty, working from New York, uses Algorand for tokenizing real estate, while PRYPCO, from Dubai, is setting up its system using the XRP network. The video explained that PRYPCO follows regulations and is open to participating in them.
Depending on the platform’s setup, a tokenized property may either provide returns or be shared in pieces among investors.
The trend behind the model is that cryptocurrency owners are less likely to sell now. Alternatively, they are using decentralized finance to ensure they have money on hand but still keep investing for the future. The method helps users carry out transactions without the help of financial institutions.
By borrowing against XRP and tokenizing the acquired real estate, crypto holders are tapping into a hybrid strategy that connects digital assets with traditional market value, without relying on conventional banks or loan services.
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