According to Crypto commentator X Finance Bull, Ripple Prime has already cleared more than $3 trillion in a year. It serves over 300 institutional customers. Now the platform has added an upsized $275 million investment-grade debt raise to expand its financing and clearing capacity.
Crypto commentator X Finance Bull called the announcement a turning point for XRP’s institutional role. He wrote that “XRP is entering the phase where institutions don’t just BUY it. They can make it WORK.”
HOLY MOLY! 🚨 $XRP is entering the phase where institutions don’t just BUY it. They can make it WORK.
That changes everything for me.
Ripple Prime already clears more than $3 TRILLION annually and serves over 300 institutional customers.
Now it has added an upsized $275M… https://t.co/tJbOxOHY0B pic.twitter.com/nfncYWQjpv
— X Finance Bull (@Xfinancebull) August 19, 2026
Collateralized Lending Enters Ripple Prime
Ripple has confirmed that collateralized XRP lending is expanding inside Ripple Prime. X Finance Bull outlined how this changes institutional behavior. A hedge fund holding XRP needs liquidity.
Instead of selling its position, it borrows against it. Another institution supplies the XRP for lending. A market maker uses the borrowed XRP to finance inventory. A derivatives desk uses that liquidity to hedge.
XRP stays inside the institutional ecosystem throughout this process. It moves between functions rather than leaving the market through a sale. X Finance Bull described this movement as capital velocity.
Two Systems Working Together
Ripple is building this capacity from two directions at once. Ripple Prime provides offchain clearing, financing, credit, and prime brokerage services. The XRP Ledger now carries native lending infrastructure, allowing XRP itself to be borrowed and lent on-chain.
RLUSD adds a third layer. It functions as institutional digital cash. These three systems make XRP function as collateral, a lendable asset, and a liquidity source across on-chain and off-chain markets.
X Finance Bull described the resulting cycle as a loop. An institution enters through Ripple Prime, takes an XRP position, secures collateralized financing, gains liquidity, lends the asset, settles the transaction through the XRP Ledger, and repeats the process.
Financing Demand Drives the Thesis
X Finance Bull built his price thesis on this expanding lending activity. More institutional strategies built around XRP mean more firms need access to XRP inventory. More lending means XRP can generate yield rather than sitting idle or getting sold. Deeper markets support larger positions. Larger positions increase financing demand.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
Ripple Prime’s $3 trillion-plus annual clearing volume gives the company a distribution engine for this infrastructure. X Finance Bull stated that the $275 million raise matters less than what it enables. He described the larger opportunity as the construction of “an institutional financial market around $XRP itself.”
He closed his post with a direct question to skeptics: “Still bearish?”
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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