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.

Silicon Valley Bank\'s crypto team released a report on growth in the bitcoin-collateral lending market, CoinPost reported. The report said rising participation by institutional investors and financial firms is a sign of market maturation. It cited Galaxy Research data showing crypto asset loan origination, including bitcoin, reached $67 billion in the first quarter, up nearly 50 percent from a year earlier. Long-term holders seeking liquidity without selling were cited as a key driver.