An XRP community expert has introduced a strategy to generate income without selling XRP tokens. The approach involves borrowing against XRP holdings, which can help investors minimize taxes and maintain a long-term crypto strategy. Ripple developers are advancing native XRP lending on the XRP Ledger, enabling institutions to borrow directly on the network, potentially reducing reliance on third-party lenders and supporting XRP prices by limiting supply. Brad Kimes from Digital Perspectives highlighted the advantages of this strategy, including increased trust for financial institutions and a secure lending system. He recommended using a small portion of XRP as collateral for loans to fund other income-generating assets, allowing investors to retain their XRP while earning returns.