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 ...

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<p><strong>Jake Claver, CEO of Digital Ascension Group, has issued a new caution to XRP holders.</strong></p>
<adv/><p>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.</p>
<adv/><p>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.</p>
<h2>Stage One: Preparing for Liquidity Before the XRP Surge</h2>
<p>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.”</p>
<p>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.</p>
<h2>Stage Two: Turning Crypto into Income Without Heavy Taxes</h2>
<p>Instead of selling XRP outright and triggering major tax obligations, Claver recommends using XRP as collateral for loans.</p>
<p>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.</p>
<blockquote>
<p>STAGE TWO: Crypto to Steady Income<br/>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.<br/>4/10🧵</p>
<p>— Jake Claver, QFOP (@beyond_broke) December 5, 2025</p>
</blockquote>
<h2>Stage Three: Building a Digital Family Office for Larger Portfolios</h2>
<p>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.</p>
<p>He emphasized that long-term wealth protection requires structure, not guesswork.</p>
<h2>Stage Four: Preparing the Next Generation</h2>
<p>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.</p>
<h2>System Built for XRP Wealth Preservation</h2>
<p>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.</p>
<p>He added that his firm works only with vetted professionals and qualified custodians, having protected “hundreds of millions” of client crypto through strategic planning.</p>
<p>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.</p>
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Crypto Founder Says XRP Holders Chase Big Gains but Most Aren’t Ready for What Comes After

Digital Ascension Group 的执行长 Jake Claver 向XRP持有者发出了新的警告。
他在最新披露的资讯中指出，虽然许多持有者希望出现下一次价格大幅突破，但只有少数人…

<div><div><div><p><strong>Digital Ascension Group 的执行长 Jake Claver 向XRP持有者发出了新的警告。</strong></p><adv/><p>他在最新披露的资讯中指出，虽然许多投资人都期盼著股价的下一次大幅上涨，但只有少数人为获利之后随之而来的真正挑战做好了准备。他认为，税收、帐户冻结和安全风险常常让那些只专注于上涨的投资者措手不及。</p><adv/><p>克拉弗指出，他的公司专注于帮助加密货币持有者不仅累积财富，而且保住财富。他强调，在价格波动前做好规划远比在XRP开始大幅上涨时仓促应对要有效得多。</p><h2>第一阶段：为XRP价格暴涨前的流动性做好准备</h2><p>克拉弗解释说，第一阶段的重点是提前建造合适的架构。信托、针对数位资产优化的有限责任公司以及完善的税务和安全框架都应该在XRP收益仍处于「理论阶段」时就搭建好。</p><p>他表示，等到价格突破后再做决定几乎总是成本更高、难度更高。这种事先准备可以确保持有者在流动性真正转化为资金时，不会被迫做出被动决策。</p><h2>第二阶段：如何在不缴纳重税的情况下将加密货币转换为收入</h2><p>Claver 建议不要直接出售XRP并引发重大的税务义务，而是将XRP用作贷款抵押品。</p><p>这种方法既能让持有者获得流动性，又能让他们在价格持续上涨时保留潜在收益。在他看来，这是散户追逐短期收益时最容易被忽略的策略之一。</p><blockquote><p>第二阶段：从加密货币到稳定收入<br/>不要抛售XRP而遭受巨额税收。相反，您可以将 XRP 作为抵押品申请贷款。这样既能获得流动性，又不会触发纳税事件，而且如果价格持续上涨，您还能保留收益。<br/> 4/10🧵</p><p> ——杰克·克拉弗，QFOP（@beyond_broke）2025年12月5日</p></blockquote><h2>第三阶段：为更大规模的投资组合建构数位化家族办公室</h2><p>同时，克拉弗指出，一旦投资组合超过2,000万美元，非正式管理就难以为继。此时，一个完善的数位化家族办公室就显得至关重要。这需要制定治理规则、继任计划和家族宪章。</p><p>他强调，长期财富保护需要的是结构，而不是猜测。</p><h2>第四阶段：培养下一代</h2><p>此外，克拉弗强调，大多数继承财富会在两代之内消失殆尽，这并非因为投资失误，而是因为规划不周和缺乏教育。他认为，如果家族希望XRP价格上涨带来的收益能够代代相传，继承人应该在继承财富之前做好准备，而不是之后。</p><h2>专为XRP财富保值而建构的系统</h2><p>Digital Ascension Group 将其服务定位为一套涵盖法律、税务、安全和世代规划的一体化系统，专为加密货币持有者量身打造。 Claver 指出，零散的建议往往会留下危险的漏洞，任何一个环节的疏忽都可能让投资人损失数百万美元。</p><p>他还补充说，他的公司只与经过审查的专业人士和合格的托管人合作，透过策略规划保护了「数亿美元」的客户加密货币。</p><p>最终，Claver向XRP社群传达的讯息是：虽然有可能获得巨额收益，但如果没有做好准备，长期财富也可能化为乌有。持有者现在累积的财富将决定未来XRP收益是具有变革意义还是转瞬即逝。</p></div></div></div>

加密货币创始人称， XRP持有者追逐巨额收益，但大多数人并未为事后的局面做好准备。

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