Speculation about XRP reaching unprecedented prices remains a lively discussion in the XRP community. The asset’s emerging use case in payment and its prospect of conquering the traditional financial system are the primary reasons enthusiasts are betting on higher prices for the XRPL native token.
However, as this discussion strengthens, most of them still don’t know what they’ll do once XRP reaches those ambitious price targets besides selling it off for profit. Meanwhile, Jake Claver, CEO of Digital Ascension Group, recently highlighted what XRP holders should focus on to build lasting wealth rather than short-lived profits.
Claver Recommends Having a Strategy For When XRP Explodes
In a recent social media update, Claver noted that many crypto investors expect significant returns but rarely have a strategy for handling those gains.
He explained that most people will likely keep their XRP on exchanges, sell once the price reaches their target, and lose a significant portion of their profits to taxes and careless spending. Claver warns that this approach leaves investors wondering where their money went, while a smaller group of disciplined planners continues to grow their wealth.
According to him, crypto investors already belong to a small and unique group since only 7% of the global population hold digital assets. Notably, Triple-A’s latest crypto adoption report corroborates this, confirming that 560 million individuals, representing 6.8% of the world’s population, hold crypto.
Claver stated that tokens such as XRP, XLM, XDC, AXL, and HBAR still possess strong potential due to their real-world applications, partnerships, and room for expansion. He believes they could appreciate sharply in the coming years, but only those who manage their holdings wisely will reap the long-term benefits.
Expert Highlights Better Retirement Plan With XRP
The pundit also criticized traditional retirement advice that encourages people to save for decades and live off limited withdrawals later in life.
He said the system no longer works because the economy has changed, but the advice hasn’t. To him, investors should own assets that grow faster than their expenses, then use them as leverage to create income without selling.
He explained that wealthy individuals already follow this approach with stocks and real estate. Now that institutional crypto lending has matured, investors can apply the same strategy to crypto assets.
According to Claver, they can borrow against their crypto holdings, use a portion of the loan to cover interest, and live off the rest, without triggering taxable events. He calls this the “never sell” approach, which allows assets to keep growing while providing a steady income.
Claver illustrated his point with an example. Specifically, if XRP reached $100 and an investor owned 10,000 tokens, this would amount to $1 million.
Instead of selling, the investor could borrow 30%, or about $300,000, against the holdings. Part of that could cover interest payments, while the rest could serve as tax-free liquidity. Claver said this approach protects investors from tax losses while allowing their assets to continue appreciating in value.
XRP Can Feed Your Family Forever
However, he warned that many XRP holders make serious mistakes by keeping their assets in their personal names. He explained that personal ownership leaves them vulnerable to lawsuits, audits, or family disputes that could force liquidation.
He also noted that some investors create LLCs but fail to manage them properly, often mixing personal and business funds. Claver said this oversight causes courts to ignore the LLC’s protection and hold individuals personally liable.
He stressed that the real opportunity with XRP and other appreciating assets is in how investors protect and use them, not just in reaching a certain price.
The community pundit encouraged holders to start preparing for price increases by setting up proper structures, such as transferring assets into Wyoming LLCs, utilizing institutional-grade custody for large amounts, and building relationships with banks that understand digital wealth.
According to Claver, the next five years will separate those who simply make money from those who maintain their wealth.
He urged XRP investors to treat their holdings like a “golden goose” and “keep it alive, borrow against it” to feed their families forever.
Evans Kelvin
Brenda Kanana
