What to Know:
- EasyA plans to launch a feature allowing users to borrow against their XRP holdings, unlocking liquidity without selling tokens.
- The proposed system aims to democratize wealth-building strategies, traditionally used by high-net-worth individuals.
- Customizable safety margins will be implemented to mitigate liquidation risks associated with crypto-backed loans.
EasyA’s co-founders, Phil and Dom Kwok, have sparked interest in tokenization and its potential to transform access to global wealth, particularly through XRP. Their vision focuses on turning real-world assets into blockchain-based tokens, enabling investors to unlock liquidity instantly. EasyA’s upcoming feature will allow users to borrow against their XRP holdings, a strategy mirroring wealth-building tactics employed by the affluent.
The concept of tokenization, championed by Ripple and others, involves converting assets like real estate or art into digital tokens on a blockchain. This allows for fractional ownership and increased liquidity, making it easier for individuals to invest in assets that were previously inaccessible. Ripple’s ongoing initiatives in real-world asset (RWA) tokenization aim to position XRP as a key currency for global liquidity.
letting people select their own margin of safety will be important, i agree! less risk averse -> borrow less and vice versa.
— Dom Kwok | EasyA (@dom_kwok) November 11, 2025
Community members have raised valid concerns about the risks involved, especially regarding potential liquidations if XRP’s price declines significantly. Dom Kwok addressed these concerns by suggesting that future systems should allow users to customize their margin of safety, catering to both risk-averse and risk-tolerant investors. This tailored approach will enable users to manage their risk exposure effectively.
EasyA’s planned XRP-based borrowing system could provide everyday investors with access to strategies previously reserved for the wealthy. By borrowing against appreciating assets instead of selling them, users can maintain ownership while accessing needed capital. This approach also helps in avoiding taxable events, a common practice among high-net-worth individuals to defer taxes.
The integration of XRP into DeFi platforms and the development of tokenization infrastructure signal a promising future for the cryptocurrency. While price predictions remain speculative, analysts suggest that XRP could see substantial growth if it captures a significant share of the tokenization market. The focus on real-world applications and increased utility could drive further adoption and value appreciation for XRP.
Source: Original article
