A market commentator has detailed a strategy for XRP investors to generate cash flow from a $1 million holding without selling their assets. Cypress Demanincor suggests that instead of focusing solely on XRP's price, investors should leverage their holdings to create income streams. Demanincor advises using decentralized lending platforms to borrow against XRP holdings, recommending a conservative borrowing limit of 65% to mitigate liquidation risks. With $650,000 in borrowed stablecoins, he proposes investing $300,000 in real estate, potentially generating 4% to 8% annual returns, and utilizing short-term rentals for additional income. The remaining $350,000 could be placed in stablecoin liquidity pools, aiming for a 10% annual return. This approach allows investors to repay loans while maintaining their XRP holdings, though it involves inherent risks that require thorough research.