Veteran XRP investor Kevin Cage predicts that XRP holders could earn passive returns of up to 10% annually as new financial infrastructure develops. Cage, who has been investing in XRP since 2017, highlights emerging decentralized finance tools, institutional products, and cross-chain integrations as key drivers for future yield opportunities. He points to crypto lending markets, institutional vaults, and tokenized real-world assets as potential sources of returns ranging from 3% to 12%. Cage also emphasizes the potential for XRP-backed lending, where holders can use their XRP as collateral to borrow liquidity without selling their assets. This approach allows investors to maintain exposure to XRP's price appreciation while accessing capital. Despite XRP's lack of a Proof-of-Stake model, third-party protocols like the Flare Network and platforms such as Axelar and Hex Trust are expanding yield opportunities for XRP holders. Cage anticipates that these developments will enable XRP investors to earn 5% to 10% annual returns through conservative yield strategies.