If You Own XRP, You’re Already Ahead of a Lot of People, Expert Says

Digital finance expert Jake Claver outlines how XRP holders could be sitting on life-changing wealth if they have patience.

In a recent appearance on the Digital Outlook Podcast, Jake Claver, Director of the Digital Ascension Group, said that owning XRP already puts investors ahead of most people.

According to him, the important part is defining what “rich” means to each individual, noting that everyone has different goals based on their vision for life and family.

Claver encouraged his listeners to calculate their ideal lifestyle. This could mean estimating the cost of a quiet life off the grid, or a lifestyle that allows for travel and giving back to the community, and using that estimate to determine their financial targets. 

“Write it all down,” he said, “and figure out what that costs you monthly.”

From Passive Income to Financial Freedom

Claver shared his personal benchmark for financial freedom. Specifically, he mentioned earning twice the income required to fund his dream lifestyle, all from passive sources. 

He estimates that he would need roughly $1.2 million per year in passive income to achieve that level of financial independence.

Assuming a 10% annual return, Claver said he would need $12 million in working capital. At a speculative XRP price of $1,000 per token, that equates to holding 12,000 XRP. 

Notably, XRP is trading at $3 today, and the journey to $1,000 represents a growth of 33,233%. Claver suggested a 2026 timeline for this $1,000 price target to materialize. On the other hand, CryptoGuard COO Matthew Brienen projected a 2035 timeline.

What About the Average Investor?

For those with more modest goals or earnings, Claver pointed out that in places like Texas or Oklahoma, a $300,000 yearly income might be more than enough to live comfortably. That would require just 6,000 XRP at $1,000 each—half his own target.

He also noted that even owning 3,300 XRP, roughly $9,900 at today’s prices, would place investors in the top 10% of XRP holders globally.

Indeed, data from the XRP Rich List confirms that to join the top 10% of XRP holders worldwide, one needs only 2,435 tokens.

Six-Figure XRP? Claver Thinks It’s Possible

Despite XRP’s current price being far from $1,000, Claver remains aggressively bullish. He compared the XRP opportunity to buying Bitcoin at $2. Interestingly, he suggested that XRP could reach six-figure prices within the next five years if it’s adopted at scale for global derivatives and other financial markets.

For context, this implies a price target above $100,000. Previously, Claver projected XRP could reach $10,000 by 2027 and continues to maintain that outlook.

However, he emphasized that patience is critical. “It’s a waiting game,” Claver said, especially for those who didn’t accumulate during the bear market.

Not Financial Advice

Meanwhile, Claver reminded listeners that his comments were not financial advice. “This is for educational and entertainment purposes only,” he said. “Always speak with your financial advisor before making any investment decisions.”