Wellgistics Health Borrows $50 Million to Stockpile XRP

XRP Integration After $50 Million Loan

Florida-based Wellgistics Health has used a $50 million loan in the form of an Equity Line of Credit (ELOC) provided by LDA Capital. The ELOC aims to build an XRP reserve and establish an XRPL-based payment infrastructure. The S-1 filing shows that the company intends to use XRP not only as a reserve asset but also as a real-time settlement instrument, loan collateral, and revenue stream through strategies such as staking. Wellgistics, which has a network of over 6,000 pharmacies and 150 manufacturers, aims to improve transaction speeds and reduce costs. Bank transfers take between 1 and 3 days and cost as little as $0.0002 per transaction.

The filing shows that Wellgistics intends to raise additional capital through the issuance of shares or bonds to purchase XRP, using XRPL to process low-cost, real-time B2B payments between pharmacies, manufacturers, and suppliers. The company also plans to use XRP as collateral to borrow funds without disrupting operations, and generate income from staking or lending tokens. Based on information from public sources, the S-1 filing is seen as a response to increased interest from financial institutions and greater clarity around cryptocurrency regulation in the United States, especially after the SEC reached a settlement with Ripple in 2025.

New aspiration or just a temporary trend?

Wellgistics’ medical supply chain can be transformed by using XRP, reducing settlement times from days to seconds and reducing the cost per transaction from $10-$30 to just $0.0002. The network of 6,000 pharmacies is particularly important for maintaining liquidity and efficiency.

Using XRP as a treasury asset could also increase a company’s net worth if its price continues to rise—it’s currently around $3.06 as of writing. This approval could increase confidence in XRP, especially as whale investors have accumulated over 280 million XRP in the past ten days, bringing their total holdings to 8.24 billion coins. This could also lead to other financial or healthcare companies adopting XRP.

But there are risks to this. First, even though the 2025 deal has been finalized, the SEC could still sue XRP because it is not yet fully clear. There is a chance that the price of XRP could fall in an adverse legal event, affecting Wellgistics’ treasury assets and collateral. Second, relying on XRP as collateral or a source of income leaves the company vulnerable to price swings.

This is especially true as the altcoin market has fallen 5% in the past 24 hours, with its market cap dropping to $3.84 trillion. Third, the auditor has issued a “going concern” warning about the falling WGRX share price due to the issuance of additional shares to purchase XRP. Finally, relying on a single crypto asset could raise strategic sustainability questions, especially in the conservative healthcare sector.

Conclusion and evaluation

The strategy is not only to optimize financial operations but also to position Wellgistics as a pioneer in tokenizing real assets, which can inspire other companies. However, with regulatory risks, price volatility, and share dilution pressure, the success of the plan depends on the ability to manage risks and effectively leverage XRPL.

Disclaimer: The information presented in this article is the author's personal opinion on the cryptocurrency field. It is not intended to be financial or investment advice. Any investment decision should be based on careful consideration of your personal portfolio and risk tolerance. The views expressed in the article do not represent the official position of the platform. We recommend that readers conduct their own research and consult with a professional before making any investment decisions.

Compiled and analyzed by HCCVenture

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