Firelight would let XRP holders earn yield by using FXRP to back DeFi coverage.

The trade-off is liquidity: once 30-day coverage periods begin, withdrawals could take roughly 30 to 60 days, with rewards stopping at unstaking while earlier claims can still reduce the payout.

https://cryptoslate.com/xrp-holders-could-earn-new-yield-but-getting-out-may-take-up-to-60-days

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