XRP holders have long faced a familiar dilemma, debating whether to sell to realize gains or hold and wait. A growing movement in the crypto space is making that choice obsolete.
XRPFi, a category of decentralized finance platforms built directly on the XRP Ledger, gives holders a way to generate income from their XRP without ever giving it up.
Digital Ascension Group, the firm led by Jake Claver, posted about XRPFi on its official X account alongside a video featuring crypto commentator Mason Versluis. Versluis told viewers that selling XRP “might be the dumbest thing you ever do.”
Never sell your XRP!
What is XRPFi?
XRPFi is the general term for DeFi platforms being built on the XRP Ledger that let XRP holders earn passive income without selling their XRP holdings.
It allows users to stake or provide liquidity with XRP, generating yield directly… pic.twitter.com/AlsviXCXdS— Digital Ascension Group (@DigitalAscen) June 12, 2026
Decentralized Finance on the XRP Ledger
XRPFi is a Decentralized Finance (DeFi) built on the XRP Ledger. It removes the central intermediary from financial activity. No banks or brokers. The holder keeps full control of their assets.
The platforms allow XRP holders to stake their tokens, earn yield, provide liquidity, and collect fees. These are financial tools that have historically required institutional access or significant capital. XRPFi brings them on-chain, accessible to anyone holding XRP.
Versluis described it as “basically the products that the rich have access to are being given to the people through crypto.” That statement captures the appeal. XRPFi turns a static holding into a working asset.
Built for Speed and Low Cost
The XRP Ledger carries structural advantages over Ethereum-based DeFi. Transaction speeds are faster, and fees are significantly lower. For holders who want to participate in DeFi without losing a substantial portion of their returns to gas fees, XRP is a game-changer.
Those cost and speed differences make XRPFi a practical option, not just a conceptual one. Long-term holders can compound their position rather than exit it.
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Where Things Stand
Versluis acknowledged that XRPFi is still early. The infrastructure is developing, and the full range of products available on more established DeFi ecosystems has not yet arrived on the XRP Ledger.
That early stage carries risk, but it also represents the entry point. Holders who understand the direction XRPFi is heading can position themselves before the ecosystem matures.
What XRP Holders Should Do Now
Holders need to pay attention to XRPFi platforms as they launch on the XRP Ledger. Staking options and liquidity pools are the starting points. Earning yield on XRP means the asset generates returns while remaining in the holder’s control.
Versluis pointed out that XRPFi could allow holders “to live off of your XRP investment and never have to sell it.” For anyone with a long-term position in XRP, that changes the strategy entirely.
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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