Instead of chasing quick returns, a growing conversation in crypto is shifting toward how digital assets can be used in more strategic ways.
One of the clearest voices on this point is Cypress Demanincor (@CDemanincor), a crypto expert on X, who recently explained how XRP can be managed using the same wealth strategies employed by traditional elites.
His view is that the real advantage lies in treating XRP as an appreciating asset to be collateralized, rather than sold, and not in seeking short-term gains.
$XRP HOLDERS LISTEN UP
People who keep saying “the yield is too small” 🤦♂️ you’re missing the point.
It’s not about chasing crazy yields. It’s about adopting the same wealth strategies the elites have used for decades: using your assets as collateral instead of selling them.… https://t.co/hgBFvlf19w
— Cypress Demanincor (@CDemanincor) August 26, 2025
The Elite Approach to Assets
Demanincor emphasized that established financial practices among high-net-worth individuals rely less on selling appreciating assets and more on using them as collateral. He noted that “it’s not about chasing crazy yields” but about adopting wealth-building methods that have been employed for decades.
In traditional markets, this approach is evident in equities, real estate, and even alternative assets such as art and bonds. Owners of these assets do not typically liquidate when they need liquidity. Instead, they secure credit lines against their holdings, thereby maintaining long-term exposure while gaining access to cash.
Experts have consistently advised against selling XRP, and applying this strategy to crypto investments can help XRP holders retain their assets while addressing immediate financial needs. This keeps investors positioned for potential future gains while avoiding the disadvantages of selling during periods of volatility or at inopportune times.
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How Collateralization Works with XRP
The concept presented by Demanincor can be summarized as an expansion of established wealth management strategies into digital assets. For example, an individual holding $20,000 in XRP who faces an unexpected $10,000 expense would previously have had little choice but to liquidate part of their position.
Under the collateralization model, however, that same investor can borrow against their holdings. This approach preserves exposure to XRP’s future trajectory while also supplying liquidity when needed.
A Long-Term Wealth Model for Crypto Investors
This approach mirrors strategies long employed by wealthy investors, who borrow against appreciating assets rather than selling them. In traditional finance, it takes the form of margin loans for equities or home equity credit in real estate.
With crypto, similar tools now exist for retail investors. Lending XRP to banks or institutions that need it could be a profitable way to earn passive income, and is just one of many methods XRP holders can employ.
With the asset’s supply shrinking, XRP’s scarcity could increase its value over time. This makes Demanincor’s approach even more relevant, as collateralizing XRP allows holders to access liquidity while maintaining exposure to potential appreciation, ensuring they benefit from long-term growth rather than selling too early.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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