Wealth coach Kamilah Stevenson says more than 100 million XRP has moved into Flare’s XRP bridging system, a figure she presents as evidence that holders are beginning to use the token for lending, collateral and yield strategies rather than simply keeping it idle.

The point that matters most, she argues, is that the inflow was “purely organic” — driven by individual XRP holders rather than institutional allocations or newly issued tokens.

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The YouTube video does not identify a precise date for the milestone, the on-chain source used to calculate it, or how much of the bridged XRP remains actively deployed. Still, Stevenson frames the reported figure as a notable shift for an asset often criticized for having limited on-chain utility outside trading and payments, and the distinction matters because bridging activity is one of the clearer ways to measure whether holders are putting XRP to work inside DeFi rather than simply moving it between wallets or exchanges.

Flare Bridge Turns XRP Into DeFi Collateral

Flare enables XRP holders to bring their tokens into its network through a wrapping process, creating FXRP that can interact with decentralized-finance applications. According to Stevenson, users can potentially lend those assets, earn returns, or post them as collateral to borrow without selling their underlying XRP exposure.

She said demand had grown enough that the system’s XRP capacity had to be raised, and noted that XRP had been approved for collateral use in lending. Her central argument is that voluntary movement into DeFi carries more weight than growth generated through token incentives, corporate partnerships or internal liquidity programs.

“Every single one” of the XRP moved into productive use, she said, is XRP no longer sitting on an exchange waiting to be sold. That framing treats bridged XRP as supply effectively removed from immediately tradable exchange balances, though it does not mean the tokens are permanently locked or unavailable to return to the market.

Yield Opportunities Come With Smart-Contract and Custody Risks

Stevenson disclosed that she has personally wrapped a small amount of XRP for use on Flare, describing it as an experiment rather than a broad allocation.

She cautioned viewers that DeFi exposure carries risks, particularly for investors who may not be able to absorb losses from smart-contract failures, bridge issues, liquidation events or operational mistakes.

The relevant signal is not simply the 100 million-XRP claim but whether usage remains durable after incentives, market conditions and borrowing demand change. For Flare, sustained collateral and lending activity would be a more meaningful measure of adoption than a one-time headline number, because it would show whether bridged XRP continues to circulate inside the system as a usable asset.

It does not establish a price target, guarantee yield, or prove that circulating supply has permanently tightened.