Popular crypto commentator Bale (@AltcoinBale) has shared a situation that has stirred debate within the XRP community. He explained that he had loaned a friend 1,000 XRP when the token was trading at $0.3.
Now, with XRP trading close to $3, the friend offered to return $300 instead of the same number of tokens. Bale questioned whether this was fair, arguing that 1000 XRP should be 1000 XRP.
The case quickly divided opinions, because the friend considered the dollar value at the time of the loan as the obligation. However, Bale believes that repayment should be made in XRP, regardless of price changes.
I loaned a friend 1,000 $XRP wen $XRP was at $0.3 and today he said send me your wallet I’ve got your $300 for you… Im like bruh 1000 xrp = 1000 xrp am I wrong?
— BALE (@AltcoinBale) September 14, 2025
XRP Community Weighs In
Several community members argued that a loan of XRP should be repaid in XRP, without reference to its dollar value.
One commenter stated plainly that 1000 XRP equals 1000 XRP, emphasizing that the quantity of tokens should not change regardless of market conditions. Another confirmed that 1,000 XRP is the correct repayment, aligning with Bale.
Others reinforced this point by explaining the nature of the loan. A user clarified that if XRP was loaned, XRP should be returned, just as cash would be repaid in cash. Another stressed that Bale’s friend still owed the full 1,000 tokens, reinforcing the expectation that repayment should match the asset loaned.
This perspective leans on the belief shared by many token holders that XRP will play a crucial role in global payments. Experts have advocated that investors hold on to their tokens and lend them to institutions and banks.
Other commenters also faulted Bale’s decision to loan XRP to a friend, as this would yield nothing, and he could also lose profits as the friend now intends to repay $300 instead of 1,000 XRP.
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Should Bale Accept $300?
On the other side, some argued that the loan should be viewed in terms of its fiat value at the time of transfer. A commenter pointed out that the friend asked for money, not XRP. So $300 should cover the loan.
However, one user criticized the approach of repaying less in current value, noting that it undermined trust. Taking advice from other experts and refusing to sell those tokens would have turned that $300 investment into $3,000.
For many, the principle that 1,000 XRP should be repaid as 1,000 XRP remains the most straightforward approach. Some analysts have projected long-term price targets reaching as high as $10,000, meaning that holders who part with their XRP without clear agreements risk substantial losses if repayment is tied only to past fiat values.
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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