Crypto Founder Says XRP Holders Chase Big Gains but Most Aren’t Ready for What Comes After

Jake Claver, CEO of Digital Ascension Group, has issued a new caution to XRP holders.

In his latest disclosure, he noted that while many holders hope for the next major price breakout, only a few are prepared for the real challenges that come after profits appear. According to him, taxes, frozen accounts, and security risks often blindside investors who only plan for the upside.

Claver noted that his firm specializes in helping crypto holders not only accumulate wealth, but also keep it. He stressed that planning before the price moves is far more effective than scrambling when XRP begins a major rally.

Stage One: Preparing for Liquidity Before the XRP Surge

Claver explained that the first phase is about setting up the right structures in advance. Trusts, LLCs optimized for digital assets, and proper tax and security frameworks should be organized while XRP gains are still “theoretical.”

Waiting until after the price breaks out, he said, is almost always more costly and far more difficult. This early preparation ensures that holders won’t be forced into reactive decisions when liquidity becomes real money.

Stage Two: Turning Crypto into Income Without Heavy Taxes

Instead of selling XRP outright and triggering major tax obligations, Claver recommends using XRP as collateral for loans.

This method allows holders to obtain liquidity while still maintaining upside potential if prices continue to climb. In his view, this is one of the most overlooked strategies among retail investors chasing short-term gains.

STAGE TWO: Crypto to Steady Income
Don’t sell and get crushed by taxes. Use XRP as collateral for loans instead. You get liquidity without triggering a taxable event, and you keep your upside if prices keep climbing.
4/10🧵

— Jake Claver, QFOP (@beyond_broke) December 5, 2025

Stage Three: Building a Digital Family Office for Larger Portfolios

Meanwhile, Claver stated that once a portfolio grows past $20 million, informal management becomes unsustainable. At this stage, a proper digital family office becomes essential. This requires governance rules, succession planning, and a family constitution.

He emphasized that long-term wealth protection requires structure, not guesswork.

Stage Four: Preparing the Next Generation

Furthermore, Claver highlighted that most inherited wealth disappears within two generations, not because of bad investments but because of poor planning and a lack of education. He argues that heirs should be prepared before they inherit wealth, not after, if families want XRP price gains to become generational assets.

System Built for XRP Wealth Preservation

Digital Ascension Group positions its approach as an all-in-one system covering legal, tax, security, and generational planning specifically for crypto holders. According to Claver, piecemeal advice often leaves dangerous gaps, and a single missed step can cost investors millions.

He added that his firm works only with vetted professionals and qualified custodians, having protected “hundreds of millions” of client crypto through strategic planning.

Ultimately, Claver’s message to the XRP community is that huge gains are possible, but without preparation, long-term wealth can vanish. What holders build now will decide if future XRP gains are transformative or fleeting.