In my view, what #Flare# is building represents another step toward the Internet of Value. With FXRP, an XRP holder will be able to use the value of their asset as programmable collateral to borrow RLUSD. Access to credit no longer has to depend entirely on a financial profile, reputation, or human approval, but on value that is verifiable, auditable, and executable on-chain. This is how I envision the Internet of Value, and how I explain it in my book through detailed explanations and, above all, concrete examples: any asset (tokens, debt, real estate, or RWAs) can become programmable value that can be mobilized almost instantly. XLS-66 remains useful, but it is closer to conventional lending running on blockchain rails, since an off-chain loan broker still evaluates the borrower. Both models are complementary, but Flare pushes the concept further toward open, programmable finance built directly around the value of assets. $FLR $XRP