Wellgistics Health is making a game-changing move that could significantly boost XRP’s real-world utility. In a newly filed S-1 registration with the U.S. Securities and Exchange Commission (SEC), the company outlines a comprehensive strategy that positions XRP not just as a treasury reserve but as a multifunctional financial instrument embedded into its business model.
This development has sparked commentary across the crypto community, with attorney Bill Morgan offering one of the most detailed public interpretations of the filing.
XRP as a Treasury Asset with Utility Beyond Storage
While many companies merely hold digital assets as speculative reserves, Wellgistics Health plans to integrate XRP into its operational ecosystem. According to the SEC filing, XRP will serve as a reserve asset, but with added dimensions.
What I have gathered from reading the S-1 form filed with the SEC today by Wellgistics Health is incredibly revealing. It is more than just a company using XRP in its treasury reserve.
This is a summary of what the filing revealed:
1. WH is not only planning to hold XRP as a…
— bill morgan (@Belisarius2020) July 25, 2025
The company will not only hold XRP but also use it as a medium for payments, a source of capital through collateralization, and a generator of yield. This goes well beyond the passive holding strategy seen in most corporate crypto reserves.
Real-Time Payments via the XRPL
One of the most significant revelations in the filing is Wellgistics Health’s intention to implement a payment solution on the XRP Ledger (XRPL). This will enable low-cost, real-time settlements between the company, its pharmacy clients, and its manufacturer and vendor partners.
In contrast to traditional ACH or wire transfers that may take days and incur substantial fees, the XRPL offers transaction finality in just 3–5 seconds, with near-zero costs. This alone presents a compelling business case for blockchain integration in supply chain management.
Capital Raising Powered by XRP
Wellgistics also revealed plans to raise capital, whether through equity, debt, or other instruments, to acquire additional XRP. Even more striking is its intention to use XRP as collateral for future capital-raising activities. This approach transforms XRP from a static asset into an active financial tool, unlocking liquidity and funding options without necessarily liquidating core reserves.
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Generating Income from XRP Holdings
In addition to serving as a payment rail and collateral base, Wellgistics intends to derive income from its XRP holdings. While the filing doesn’t elaborate on the specific mechanisms, this could involve staking-like solutions, liquidity provisioning, or lending protocols.
This reveals a layered strategy to make XRP work as a yield-generating asset, something critics have long argued is lacking in the XRP ecosystem.
XRP Price Update
As this news breaks, XRP is trading between $3.08 and $3.20. According to CoinMarketCap, XRP is trading at $3.08 as of report time. Despite a recent 12–19% correction, largely attributed to profit-taking and significant sales on exchanges like Upbit, XRP remains up nearly 90% month-over-month. Current market cap is hovering around $180–190 billion, with 24-hour trading volume exceeding $15 billion.
Technical analysts consider the recent pullback a healthy consolidation following an explosive rally. Support is holding at the $3.00 level, with deeper support near $2.34. Analysts still maintain bullish projections, targeting $4 to $6 in the medium term, depending on ETF developments and broader market sentiment.
In conclusion, Bill Morgan’s breakdown of Wellgistics Health’s SEC filing makes one thing abundantly clear: XRP is being positioned not just as a speculative asset, but as a multifunctional instrument across payments, capital markets, and income generation.
This challenges long-standing narratives that XRP lacks real utility. A successful partnership could pave the way for businesses to adopt crypto in daily operations, transforming XRP into a practical tool beyond just a digital asset.
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 urged to do in-depth 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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