As the XRP community’s eyes turn to passive income opportunities through loans, industry commentators remain divided into related risks and timing.
Vander Aljara, co-founder of Black Swan Capitalist; Sparks were scattered Discussion about X by encouraging XRP holders to adopt a long-term mindset when considering lending tokens. He argued that a significant return from XRP lending is unlikely to be achieved through the current defi channel alone.
Aljarrah emphasized that meaningful returns will emerge when financial advisors begin to recommend XRP to high clients. He believes this will require a regulatory framework that will ensure lenders’ insurance and protection.
In particular, XRP ledgers offer limited Defi services that allow token holders to earn passively, unlike networks such as Ethereum and Solana. Most XRP remains idle, Several initiatives It emerged with the aim of providing owners with the opportunity to acquire medium yields of assets.
However, please note that some observers, including Aljarrah, may be taking risks by relying on third-party services to earn returns on XRP.
Divided Opinions: Security and Opportunities
This post sparked a surge in response from the XRP community. Some warn of some Echo Aljara warnings, the risks of premature lending, while others view the current platform as a viable option that offers attractive yields.
One user, Jack Joseph, warned that impatience could lead to irreversible losses. Another commentator said he would not lend the XRP until legislation clarity is established. User Blkwolfcapital, who calls the current environment “wildwest,” highlighted the potential dangers of trusting unregulated Defi services.
Still, some users pointed out potential benefits from modest returns. User Heath Junkie estimated that a 2% return on the $1 million XRP portfolio could earn $20,000 a year. He suggested that even conservative lending could be significantly rewarded if it was safely implemented for large holders.
Meanwhile, Aljara acknowledged these perspectives. He revealed that although there are opportunities in the current environment, decisions ultimately result in individual risk tolerance. “It’s not right or wrong,” he said.
I definitely have the opportunity now and I’m acknowledging it. It’s not right or wrong. I’m just sharing my opinion. In the current environment, it is necessary to weigh the rewards of advantages, disadvantages and risks.
– Vandell | Black Swan Capitalist (@vandell33) May 2, 2025
Natives staking XRPL with support from Ripple
Meanwhile, the XRP community is Proactively explore native staking Loans to XRP ledgers. Community member Mickle proposed the implementation of native XRP staking, citing Babylon Lab’s Bitcoin model as reference.
In response, Flare CEO Hugo Fillion revealed that Flare is developing a staking tool for XRPL. Flare XRP (FXRP). Additionally, Ripple engineers have introduced XLS-65 and XLS-66 proposals to enable traditional yield agriculture and diversified financing.
The XLS-65 outlines “single asset vaults” for flexible asset management and staking, while the XLS-66 supports undeducted fixed period lending through these vaults. Both proposals confirm Ripple’s active role in bringing native staking and lending capabilities to XRPL.
