Crypto analyst and commentator BullRunners has released a detailed video alongside a tweet titled “Never Sell Your XRP: Use It To BECOME YOUR OWN BANK! (Crypto Lending Explained).” The video focuses on how holders of large amounts of XRP or other digital assets can leverage crypto lending rather than liquidating their portfolios. The central point made was that selling exposes investors to capital gains taxes while also removing them from future upside if the asset appreciates after liquidation. According to BullRunners, crypto lending offers an alternative that allows holders to maintain ownership while still unlocking liquidity. How Crypto Lending Works The analyst explained that the process for securing a crypto loan is simple. Investors deposit XRP as collateral into a platform, and in exchange, they receive a loan in a stablecoin such as USDT or USDC, or in some cases, fiat currency. The XRP remains locked but unsold, which means the investor still retains ownership and potential appreciation. The loan amount depends on loan-to-value ratios (LTVs), which for XRP typically range from 15% to 75%. Unlike traditional loans that require credit checks, income verification, or employment history, crypto loans depend solely on the value of the collateral. BullRunners emphasized that this structure provides flexibility for investors, though it also carries risks such as liquidation if the asset’s value declines significantly. Never Sell Your #XRP : Use It To BECOME YOUR OWN BANK! (Crypto Lending Explained) pic.twitter.com/y50eLr8akB — BULLRUNNERS (@BullrunnersHQ) August 28, 2025 Tax Considerations and Financial Planning BullRunners highlighted the potential tax benefits of using crypto loans instead of selling. Referencing IRS Publication 525 in the United States, the analyst noted that borrowed money is generally not considered taxable income when received. However, they also stressed that tax laws vary across jurisdictions and individual circumstances, making it necessary for investors to seek professional advice before pursuing this strategy. The video also provided an example involving an investor who purchased XRP in 2024 at around $0.50, with a $5 million investment that has since grown to more than $30 million at current prices. If this investor required $15 million in liquidity, selling would create a large taxable event. By using XRP as collateral for a loan, they could access the cash while potentially incurring lower costs than capital gains taxes. Strategies and Risks BullRunners outlined different approaches, including conservative and aggressive LTV strategies. While conservative LTV provides more safety during market volatility by lowering the risk of liquidation, higher LTVs deliver more cash upfront but increase the likelihood of losing collateral during downturns. Advanced strategies discussed included laddering loans across multiple platforms, refinancing when asset values rise, and hedging through options or futures. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 The analyst also acknowledged the risks tied to these loans. Interest rates on crypto loans range between 8% and 13% annually. In addition, custody risks exist since platforms hold the collateral, meaning the security and reliability of the provider is critical. Market volatility remains a major factor as price declines could lead to forced liquidations if collateral values drop below thresholds. Who Should Consider Crypto Loans According to BullRunners, these strategies are best suited for high-net-worth individuals holding large XRP positions. They emphasized that this approach is not advisable for those unfamiliar with managing collateral, unable to cover interest costs, or uncomfortable with the risks of volatility. They cautioned against using crypto loans for non-essential expenses, stressing that they should be reserved for major investments or structured financial goals. BullRunners concluded that crypto loans represent a potential tool for investors who wish to retain their XRP while accessing liquidity for other opportunities. By borrowing against holdings instead of selling them, investors may avoid immediate tax liabilities and continue benefiting from future price appreciation. 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 advised to conduct thorough 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. Follow us on X , Facebook , Telegram , and Google News The post Finance Expert to XRP Holders: Never Sell Your XRP, Do This Instead appeared first on Times Tabloid .