Expert Says XRP to Unlock the Strategy Richest People in the World Use to Become Even Richer

Phil and Dom Kwok, co-founders of the Web3 and education platform EasyA, are fostering discussions about how tokenization could democratize access to global wealth, particularly through XRP. Referring to a Financial Times quote, “the trick to being a multibillionaire is having zero liquidity,” Phil Kwok described it as “so bullish for crypto”. He emphasized that tokenizing real-world assets like real estate, art, or stocks into blockchain-based tokens allows investors to unlock instant liquidity.

EasyA co-founder Dom Kwok disclosed the company’s plans to pioneer this idea by starting with XRP. Dom stated, “Soon, we will allow anyone to do just that, starting with XRP.” This suggests an imminent feature enabling users to borrow against their XRP holdings without selling their tokens. The innovation is part of a growing trend: crypto-backed loans, where users lock tokens like XRP as collateral to borrow stablecoins or fiat currency while retaining ownership of their crypto. This process also avoids taxable events, aligning with strategies long utilized by billionaires to defer taxes.

Following the announcement, members of the crypto community raised concerns about the risks associated with borrowing against XRP. Lion of Judah, a community member, highlighted the potential for collateral liquidation if XRP's price drops significantly unless additional assets are provided. Dom Kwok acknowledged these risks and proposed that future borrowing systems should allow users to configure their margin of safety. This would let conservative investors borrow less to minimize risks. Dom tweeted, “Letting people select their own margin of safety will be important, I agree! Less risk-averse -> borrow less and vice versa.”

The EasyA founders’ statements align with XRP’s expanding involvement in DeFi and tokenization infrastructure. Ripple, the organization behind XRP, has been actively working on real-world asset (RWA) tokenization. In an August report, Ripple projected the tokenization market could reach $18.9 trillion by 2033. This aligns with the ambition of making XRP a bridge currency for global liquidity. Ripple’s initiatives showcase the wider potential of tokenization in reshaping financial systems.

Among the speculation on XRP’s future, analyst Brad Kimes (Digital Perspectives) predicted potential price milestones for XRP. He speculated XRP could rise to $10.40 by 2026, $54.20 by 2029, and $189 by 2033, provided it captures a significant market share. However, these predictions remain speculative and depend on broader adoption and market trends.

EasyA’s XRP-based borrowing system, if successful, could give everyday investors access to wealth-building methods previously exclusive to the wealthy — borrowing against appreciating assets rather than selling them. This innovation reflects a broader trend in DeFi to make financial tools more accessible globally, leveling the playing field for investors of all scales.