Jake Claver, the influential CEO behind Digital Ascension Group, is urging XRP holders to shift their focus from chasing low-entry prices or amassing large token portfolios to strategic preparation. In commentary that resonates with the evolving challenges of digital assets, Claver asserts that true long-term success lies in security structures and proactive wealth planning, not speculative accumulation.
Claver’s thesis is clear: the XRP investors who ultimately thrive won’t be those who bought the dip or built outsized positions. Instead, he contends that “real winners” are those who protect their assets in advance, ensuring readiness for unpredictable events—from regulatory lawsuits to sudden life changes.
Protect Before the Storm: The Power of Structure
Echoing best practices from legacy finance, Claver draws a distinction between mere hope and rigorous planning. He notes the vulnerability of retail investors who self-custody crypto without legal shields. Since U.S. tax authorities classified cryptocurrencies as property, holders face the same discovery risks as those with real estate. Personal wallets, Claver warns, are fully discoverable in litigation, with courts able to compel access to private keys.
He champions the use of trusts, LLCs—particularly Wyoming’s digital asset-friendly structures—and institutional custody for robust protection. Such mechanisms, long used by sophisticated investors, help shield assets from creditors, legal actions, and costly probate, while also creating a stronger record for tax and inheritance planning.
Estate Planning: The Overlooked Edge
Claver takes aim at a blind spot common among crypto investors: estate and tax planning. He points to the substantial benefits of passing on digital assets through structured vehicles. Crypto inherited via trusts may receive a stepped-up tax basis, substantially reducing capital gains liabilities for heirs. The high U.S. exemption thresholds for estate and gift taxes offer additional room for strategic asset transfers.
Liquidity Without Liquidation
Addressing the classic retail mistake of selling into rallies, Claver notes that sophisticated investors often borrow against appreciating holdings. By leveraging XRP with regulated lenders, investors can access fiat liquidity without triggering taxable events—a strategy further enhanced by strong custody solutions.
Wyoming digital asset LLCs, Claver observes, offer what institutional players crave: charging-order protection. Creditors cannot directly access assets inside the LLC, instead having to wait for lawful distributions, which adds another layer of investor defense.
Readiness Over Speculation
Claver’s core message is a timely warning against the “lottery ticket” mentality that has haunted past crypto booms. Even with predictions of explosive gains for XRP, failing to prepare with protective structures could leave investors exposed to loss, taxation, or litigation risk. Wealth, as he and fellow strategists remind, is safeguarded as much by careful planning as by performance.
In an era of rising institutional scrutiny and financial innovation, Claver’s advice is a decisive call to the new generation of digital asset holders: true winners in crypto are defined not by luck or timing, but by the security nets they weave long before the storms arrive.
Disclaimer: This article is provided for informational purposes only and does not constitute financial advice. Investors should always conduct their own thorough research and consult with a qualified financial advisor before making any investment decisions in cryptocurrencies, which are highly volatile and speculative assets.
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