Businessman and financial strategist Jake Claver has issued a strong warning to XRP holders, suggesting that many investors may be unprepared for the realities of institutional-driven price discovery.
According to Claver, when XRP experiences major price action, a liquidity crunch across retail exchanges could leave everyday traders unable to exit at fair market value. “Institutional buyers will dominate OTC, and retail will get stuck fighting for exposure through ETFs and DATs,” he explained.
The Real Risk: Losing Wealth After Gaining It
Claver emphasized that the challenge for XRP investors will not simply be reaching high valuations, but rather keeping their wealth once it materializes.
Drawing comparisons to lottery winners who often go broke, he cautioned that many crypto millionaires could face the same fate. “Without custody, tax strategy, and wealth infrastructure before the liquidity event, you’ll fumble generational wealth,” he said.
When we see some major price action come for XRP, I’ve got uncomfortable news for you….a lot of exchanges won’t have the liquidity to let you exit at market value, and with the supply shock, institutional buyers dominate OTC and retail will get stuck fighting for exposure…
— Jake Claver, QFOP (@beyond_broke) October 3, 2025
From Claver’s perspective, the difference between short-term gains and lasting dynasties comes down to preparation.
He noted that in hundreds of conversations with crypto investors holding portfolios in the six, seven, and even eight‑figure range, the ones who stand the best chance of preserving wealth are not those with the largest holdings, but those who have taken proactive steps.
“Stop treating this like a trade,” Claver urged. “Whatever price XRP gets to doesn’t matter if you liquidate everything too early because you got scared. Know your number before the number arrives.”
Infrastructure Before the Breakout
Claver stressed the importance of building legal and financial structures before XRP reaches higher levels. He pointed to measures such as Wyoming single‑member LLCs, capital contribution pages that list wallet addresses without creating taxable events, and asset protection trusts that take years to season. “Do this at $3 XRP, not $3,000,” he warned.
He also reiterated the importance of custody, urging investors to move assets off exchanges into secure wallets or institutional‑grade custody. “Exchanges can freeze your assets for any reason. You’re a creditor, not an owner,” he noted.
Claver outlined several fundamental drivers behind XRP’s long‑term value proposition. He highlighted banks’ reliance on distributed ledger technology to manage trillions in derivatives, the DTCC’s Project ION initiative, and Ripple’s $250 million acquisition spree to tokenize banking assets.
“This isn’t retail FOMO anymore,” Claver explained. “It’s banks settling transactions, derivatives getting smart contract governance, and stablecoins needing a neutral bridge asset. Institutional demand doesn’t dump.”
The Bottom Line: Are You Ready?
Claver concluded by insisting that XRP’s rise is not a question of if but when. However, he argued that without the proper wealth management structures in place — including custody, tax optimization, and estate planning — many investors risk missing out on the true benefits of generational wealth.
“The infrastructure is built. Regulatory clarity exists. The institutional demand is already here… just happening OTC where you can’t see it. The only question is whether you’re ready,” he said. “Make history or become it.”