Expert Lists Eight Ways For XRP Holders to Have Strong Portfolio In Five Years

Software engineer and cryptocurrency enthusiast Vincent Van Code recently shared a speculative approach to using XRP for real estate investment. He outlined a scenario where banks are legally permitted to hold XRP, allowing investors to leverage their holdings for mortgage-backed property purchases.

Van Code’s proposed method involves transferring XRP to a bank and taking out a mortgage against it to acquire real estate. He suggested renting out the properties to generate income while covering shortfalls in the first two years by selling a portion of the XRP holdings.

The strategy hinges on the assumption that XRP’s price will increase over time, enabling further borrowing to expand the property portfolio. He projected that investors could establish significant real estate holdings within five years while maintaining most of their original XRP. He concluded his post by clarifying that his idea was “not financial advice.”

An idea of how I might use my XRP in the future:

1. Assume banks can custody XRP
2. Transfer your XRP to bank
3. Take a mortgage on XRP to buy as much property as you can
4. Rent out property
5. Make up short fall of rent/repayment for first 2 years by selling some XRP
6. Get to…

— Vincent Van Code (@vincent_vancode) March 13, 2025

Community Response and Alternative Perspectives

The post drew attention from the cryptocurrency community, with users offering different viewpoints. One response came from an account named John Denver (parody), who expressed skepticism about the reliance on banks. He suggested an alternative approach involving private lenders instead of traditional financial institutions.

His perspective emphasized using XRP as collateral or proof of reserves rather than transferring it to a bank. He proposed purchasing a multi-family property, such as a fourplex, and using rental income to repay the loan while allowing the XRP to appreciate.

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The Feasibility of Using XRP in Real Estate

Van Code’s concept reflects ongoing discussions about cryptocurrency’s potential role in traditional finance. The idea of leveraging digital assets for real estate purchases is not new, but regulatory and institutional adoption remain key factors.

Some financial entities have explored crypto-backed loans, and private lending options for digital assets are already in use. However, whether banks will widely adopt XRP custody and provide mortgages is uncertain.

The discussion highlights the evolving nature of digital asset utility beyond trading. If banks or private lenders increasingly accept cryptocurrency as collateral, investors may explore such strategies in the future. The debate also underscores differing risk tolerances, with some preferring to integrate XRP into conventional financial systems while others advocate for decentralized solutions.

While Van Code’s strategy remains hypothetical, it contributes to broader conversations about the intersection of cryptocurrency and real estate investment. As institutional attitudes toward digital assets develop, the feasibility of such approaches may become clearer.

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 urged to do in-depth 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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