Crypto CEO Explains How the Wealthy Use Assets Like XRP to Build Long-Term Wealth Without Selling

Jake Claver, CEO of Digital Ascension Group, has explained how wealthy investors use assets like XRP not for sale, but as collateral to unlock liquidity while preserving long-term upside.

In a recent post on X, Claver stated: “The wealthy don’t usually sell their assets; they borrow against them instead.”

He argued that the same strategy commonly used with real estate and equities can also apply to digital assets such as Bitcoin and XRP.

Key Points

Using XRP Without Selling It

According to Claver, selling crypto often triggers significant tax consequences and removes investors from future upside. Instead, he says XRP holders can use their tokens as collateral for loans, allowing them to access cash while retaining their XRP exposure.

“If you need cash for something, you don’t necessarily need to sell your XRP,” Claver explained. He added that his firm has established partnerships with lenders that offer XRP-backed loans. These arrangements allow investors to maintain their position while securing liquidity.

He describes this as a stage where investors avoid capital gains taxes by borrowing instead of selling, while still benefiting if XRP prices rise.

Exit Planning and Emotional Discipline

Claver has also warned that many crypto investors lack a clear exit or wealth-management strategy. He stressed that XRP price appreciation alone won’t be life-changing if decisions are driven by panic rather than planning.

“XRP price action won’t change your life if you sell in a panic,” he said. Accordingly, he urged investors to define limits and strategies before market volatility takes over. Claver stressed that financial freedom depends less on timing the market and more on being prepared when opportunity arrives.

Business Structures and Tax Efficiency

Beyond individual investors, Claver highlighted the role of business structure in crypto wealth management. He pointed to Wyoming LLCs as a potentially more flexible alternative to traditional S- or C-Corporations for crypto holders. He cited pass-through taxation, optional S-Corp election, and reduced payroll tax exposure when structured correctly.

Generational Wealth and Crypto

Meanwhile, in a recent YouTube video titled “How to Never Pay Taxes on Your Crypto,” Claver expanded the discussion to long-term estate planning. He warned that without proper structures, crypto wealth can be significantly eroded by estate and generation-skipping taxes over time.

He outlined strategies such as dynasty trusts and generation-skipping trusts, which, when properly set up, may allow appreciating assets like XRP to compound across generations while minimizing tax exposure.

Claver stressed that timing matters, especially with high-growth assets, because exemptions must be actively allocated before laws change.

XRP as a Tool

Claver’s comments highlight a changing narrative around XRP. Investors now see it not just as a speculative trade, but as a long-term financial tool for liquidity, income, and wealth planning.

Claver believes making money with crypto is only part of the process. How investors structure, protect, and plan around assets like XRP is what determines whether that wealth actually lasts.