I took my total holdings and divided by six and will lend out xrp in 6 installments. By the end of the 3 month with this strategy you will receive Interest or principal and interest every 2 weeks. You can just keep rolling them.
Advantages are constant influx of cash and you can always free up xrp in a couple of weeks rather than waiting 6 months if all of it was tied to one loan. In a rising price environment you can capture the higher rate with each loan as well. As I accumulate more xrp I will add more loans into the pipe line. After the 6 months I can roll the loan forward in 3 month increments and I can add additional loans on those days. So eventually I could be receiving interest payments from multiple loans on same day.
This works for hodlers. My xrp for the most part will be locked up so I can’t take quick profits like most