A planned lending infrastructure on the XRP Ledger could allow XRP holders to borrow funds using their tokens as collateral without selling, an analysis said. XRP analyst James Dooly said Coinbase’s XRP-backed loans, a government-guaranteed crypto mortgage structure and proposed XRPL lending functions could create a new model for long-term holders. He outlined a hypothetical example using USDC borrowing and possible interest income from depositing unused XRP, while noting key XRPL functions remain at the proposal stage.

An opposing party has emerged in a New York lawsuit over ownership of long-dormant bitcoin holdings worth more than $200 billion, including coins widely believed tied to Satoshi Nakamoto. A pseudonymous respondent, John Doe 33, filed a notice to appear and said he would answer the case. Plaintiffs seek ownership of about 3,799,000 bitcoin linked to 39,069 inactive addresses under New York’s abandoned property law. The dispute centres on whether inactivity can legally indicate loss or abandonment.