@jakeclaverqfop: Selling is simple. Taxes, done, cash deployed. Borrowing is more powerful but requires the deployed capital to outperform the loan rate and the discipline to manage debt service. If you can earn more than the interest rate on what you borrow against XRP while the asset appreciates, borrowing wins mathematically. If not, selling is cleaner. Risk tolerance and financial sophistication determine which path fits. No wrong answer without understanding your full picture first.