- Expert explains how XRP holders can generate income without selling assets
- Lending, borrowing, and tokenization reshape XRP into productive financial capital
- Cash flow strategies reduce reliance on price appreciation for long term stability
As crypto markets continue to fluctuate, long-term XRP holders are rethinking how value is created beyond price appreciation. Instead of waiting for higher valuations, attention is increasingly shifting toward income strategies that preserve core holdings while generating Steady cash flow.
This view was recently shared by Cypress Demanincor, who outlined how XRP can function as productive capital rather than a speculative asset. In a post on X, he explained that focusing only on price often causes investors to miss sustainable income opportunities already available within decentralized finance.
Demanincor emphasized that selling XRP for fiat is not a requirement to unlock value. He pointed to decentralized lending as a starting point, where holders can lend XRP and earn yield while keeping full exposure to the asset. This approach allows XRP to remain intact while contributing to ongoing income generation.
He further explained that lending income can support more advanced deployment strategies. As a result, XRP shifts from a passive holding into an actively working asset within a broader financial structure.
Borrowing Against XRP Without Sacrificing Ownership
Beyond lending, Demanincor highlighted borrowing as a complementary strategy when executed with discipline. He described borrowing against XRP in stablecoins while maintaining conservative loan-to-value ratios around 65%. This approach, he noted, reduces liquidation risks during periods of heightened volatility.
For an XRP position valued at $1,000,000, such a structure could release approximately $650,000 in stablecoin liquidity. That capital can then be deployed into income-producing avenues without selling the underlying XRP.
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Risk management remains a central theme in this strategy. Demanincor stressed the importance of spreading borrowed funds across multiple stablecoins to avoid overexposure to a single issuer. This diversification helps maintain stability during market disruptions.
Tokenized Assets Add Real World Income Streams
Part of the deployed capital can move into tokenized real-world assets, with Demanincor highlighting tokenized real estate as an example that often generates annual yields between 4% and 8%.
In addition to base yield, investing in physical properties, like Airbnb, with about $300k, may produce short-term rental income. Such income streams can exceed $1,000 per month, adding consistent cash flow to the overall strategy.
This model blends traditional property investment with decentralized infrastructure. The result is predictable income supported by blockchain-based settlement and transparency.
Liquidity Pools and Yield Loops Strengthen Cash Flow
Another segment of funds may be allocated to stablecoin liquidity pools on established decentralized exchanges. Demanincor stated that annual returns near 10% remain achievable on battle-tested platforms. At that rate, deploying $350,000 could generate about $35,000 per year. Importantly, this income does not depend on selling XRP or exiting the market.
Those returns can rotate into staking assets or node operations, delivering yields between 4% and 12% that service loan obligations over time. As debt exposure gradually declines, XRP holdings remain untouched, allowing income to work toward reclaiming full collateral while preserving ownership.
Demanincor also cautioned against relying solely on price appreciation, noting that taxes, inflation, and recurring expenses can erode gains that appear significant on paper. His broader message reflects a shift in mindset among XRP holders, who increasingly treat XRP as a foundation for steady cash flow rather than a purely speculative asset.
