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Phil and Dom Kwok, co-founders of the education and Web3 platform EasyA, recently stirred conversations about how tokenization could transform access to global wealth through XRP.
Referring to a Financial Times quote that “the trick to being a multibillionaire is having zero liquidity,” Phil Kwok called the statement “so bullish for crypto.”
He explained that the tokenization of assets, turning real-world value such as real estate, art, or stocks into blockchain-based tokens, will allow investors of any scale to unlock liquidity instantly.
In parallel, he revealed that EasyA plans to make this model available to everyone, beginning with XRP. “Soon, we will allow anyone to do just that, starting with XRP,” Dom wrote.
This hints at an upcoming feature that may allow users to borrow against their XRP holdings without having to sell their tokens.
The comment aligns with growing interest in crypto-backed loans to allow people to access cash without selling their crypto. In this system, users lock up tokens like XRP as collateral, borrow stablecoins or fiat currency, and repay later, retaining any gains if the token’s price rises.
This approach also helps avoid a taxable event, something billionaires have long used to defer taxes.
Community Weighs In on Borrowing Risks
Following the discussion, community members raised key questions about market risk and liquidation. One user, “Lion of Judah,” pointed out that if XRP’s price drops significantly after taking out a loan, the collateral could be liquidated unless additional assets are provided.
Dom acknowledged these concerns. He suggests that future borrowing systems should allow users to customize their margin of safety, enabling conservative investors to borrow less and reduce their liquidation risk.
letting people select their own margin of safety will be important, i agree! less risk averse -> borrow less and vice versa.
— Dom Kwok | EasyA (@dom_kwok) November 11, 2025
XRP’s Expanding Role in DeFi
The remarks from the EasyA founders align with XRP’s broader movement into decentralized finance (DeFi) and tokenization infrastructure.
Ripple has also been developing tokenization and real-world asset (RWA) initiatives, aiming to make XRP a bridge currency for global liquidity. In an August report, Ripple stated that the tokenization market could reach $18.9 trillion by 2033.
Analyst Brad Kimes (Digital Perspectives) predicts XRP could rise to $10.40 by 2026, $54.20 by 2029, and $189 by 2033 if the coin captures a significant share of the market. However, these are purely speculative estimates.
Ultimately, EasyA’s planned XRP-based borrowing system will give everyday investors access to the same wealth-building strategy long used by the rich — borrowing against appreciating assets instead of selling them.