Jake Claver, CEO of Digital Ascension Group, has shared his view on which XRP investors he believes will be the most successful.
According to Claver, the XRP investors who ultimately come out on top won’t be those who bought at the lowest prices or accumulated the largest bags. Instead, he argues that the real winners will be the ones who establish strong security structures before problems arise.
In a new post, Claver explained that while no one can predict events such as lawsuits, audits, accidents, or even divorce. But investors can prepare for them well in advance.
His message builds on his previous warnings that hoping for future wealth is not the same as planning for it.
Why Structure Matters More Than Entry Price
Claver notes that many retail investors underestimate how exposed their crypto is when held personally. Since the IRS classified digital assets as property in 2014, crypto falls under the same legal frameworks as real estate. This means meaning trusts, LLCs, and institutional custody can protect holdings.
Crypto kept in a personal wallet is fully discoverable in a lawsuit. A judge can order access to private keys, and hiding assets can lead to penalties. Proper structuring via trusts, LLCs, and secure custody helps prevent these risks.
Estate Planning and Tax Benefits XRP Holders Overlook
Claver also highlighted that most investors ignore standard estate-planning tools. Assets passed to heirs receive a step-up in basis, wiping out large unrealized gains.
Families can also transfer up to $13.6 million per person tax-free using lifetime exemptions and annual gifting, and a revocable trust allows XRP to bypass probate entirely. These are routine strategies for wealthy families, but rarely used by everyday crypto holders.
Borrowing Against XRP Instead of Selling
Wealthy individuals typically borrow against appreciating assets rather than sell them. Claver says XRP holders can do the same. Borrowing from regulated lenders provides liquidity without incurring capital gains taxes, while institutional-grade custody adds another layer of protection.
Notably, Claver frequently recommends Wyoming digital-asset LLCs for their strong charging-order protection. Creditors cannot seize assets inside the LLC, only wait for distributions, and robust corporate records make the liability shield hard to challenge.
The Biggest Mistake XRP Investors Make
According to Claver, many investors still treat crypto like a lottery ticket. He stressed that the real threat is not volatility but a lack of preparation.
Even if XRP hits $100 or more, unstructured investors may fail to preserve their gains. Wealth strategist Armando Pantoja agrees, noting that many who gain sudden crypto wealth lose it within 2 years.
Accordingly, the XRP holders who win in the long term will be those who prepare now. No matter where the price goes, the edge belongs to those who understand that wealth is protected by planning, not by price.
“Problems are unpredictable,” Claver says. “Preparation is not.”
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
