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 的執行長 Jake Claver 向XRP持有者發出了新的警告。
他在最新披露的資訊中指出，雖然許多持有者希望出現下一次價格大幅突破，但只有少數人…

<div><div><div><p><strong>Digital Ascension Group 的執行長 Jake Claver 向XRP持有者發出了新的警告。</strong></p><adv/><p>他在最新披露的資訊中指出，雖然許多投資人都期盼著股價的下一次大幅上漲，但只有少數人為獲利之後隨之而來的真正挑戰做好了準備。他認為，稅收、帳戶凍結和安全風險常常讓那些只專注於上漲的投資者措手不及。</p><adv/><p>克拉弗指出，他的公司專注於幫助加密貨幣持有者不僅累積財富，而且保住財富。他強調，在價格波動前做好規劃遠比在XRP開始大幅上漲時倉促應對要有效得多。</p><h2>第一階段：為XRP價格暴漲前的流動性做好準備</h2><p>克拉弗解釋說，第一階段的重點是提前建造合適的架構。信託、針對數位資產優化的有限責任公司以及完善的稅務和安全框架都應該在XRP收益仍處於「理論階段」時就搭建好。</p><p>他表示，等到價格突破後再做決定幾乎總是成本更高、難度更高。這種事先準備可以確保持有者在流動性真正轉化為資金時，不會被迫做出被動決策。</p><h2>第二階段：如何在不繳納重稅的情況下將加密貨幣轉換為收入</h2><p>Claver 建議不要直接出售XRP並引發重大的稅務義務，而是將XRP用作貸款抵押品。</p><p>這種方法既能讓持有者獲得流動性，又能讓他們在價格持續上漲時保留潛在收益。在他看來，這是散戶追逐短期收益時最容易被忽略的策略之一。</p><blockquote><p>第二階段：從加密貨幣到穩定收入<br/>不要拋售XRP而遭受巨額稅收。相反，您可以將 XRP 作為抵押品申請貸款。這樣既能獲得流動性，又不會觸發納稅事件，而且如果價格持續上漲，您還能保留收益。<br/> 4/10🧵</p><p> ——傑克·克拉弗，QFOP（@beyond_broke）2025年12月5日</p></blockquote><h2>第三階段：為更大規模的投資組合建構數位化家族辦公室</h2><p>同時，克拉弗指出，一旦投資組合超過2,000萬美元，非正式管理就難以為繼。此時，一個完善的數位化家族辦公室就顯得至關重要。這需要製定治理規則、繼任計畫和家族憲章。</p><p>他強調，長期財富保護需要的是結構，而不是猜測。</p><h2>第四階段：培養下一代</h2><p>此外，克拉弗強調，大多數繼承財富會在兩代之內消失殆盡，這並非因為投資失誤，而是因為規劃不周和缺乏教育。他認為，如果家族希望XRP價格上漲帶來的收益能夠代代相傳，繼承人應該在繼承財富之前做好準備，而不是之後。</p><h2>專為XRP財富保值而建構的系統</h2><p>Digital Ascension Group 將其服務定位為一套涵蓋法律、稅務、安全和世代規劃的一體化系統，專為加密貨幣持有者量身打造。 Claver 指出，零散的建議往往會留下危險的漏洞，任何一個環節的疏忽都可能讓投資人損失數百萬美元。</p><p>他還補充說，他的公司只與經過審查的專業人士和合格的託管人合作，透過策略規劃保護了「數億美元」的客戶加密貨幣。</p><p>最終，Claver向XRP社群傳達的訊息是：雖然有可能獲得巨額收益，但如果沒有做好準備，長期財富也可能化為烏有。持有者現在累積的財富將決定未來XRP收益是具有變革意義還是轉瞬即逝。</p></div></div></div>

加密貨幣創始人稱， XRP持有者追逐巨額收益，但大多數人並未為事後的局面做好準備。

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