Jake Claver, CEO of Digital Ascension Group, argues that most XRP holders still underestimate what they own.
In a tweet, he describes XRP as foundational infrastructure rather than a speculative asset. According to him, XRP represents the “most pristine collateral” the world has ever seen. Claver added that XRP will act as “the oxygen the new financial system needs to breathe.”
However, by his own assessment, “99% of people” holding XRP “have no clue” what they really own.
Claver’s comments come as XRP’s narrative shifts from short-term price swings to real-world use and institutional appeal. Supporters see XRP acting as neutral, liquid collateral for settlement, liquidity, and credit in regulated markets.
Instead of competing with traditional assets, XRP could help move value, unlock collateral, and improve balance sheets in a tokenized financial system.
This perspective gained traction amid Ripple’s recent Institutional DeFi blueprint, which shows how the XRP Ledger is moving beyond payments into a full institutional financial layer. It supports FX trading, tokenized assets, collateral management, and on-chain credit.
XRP sits at the center, powering settlement, network fees, reserve requirements, FX bridging, and collateral flows. Features like Permissioned Domains and Credentials allow institutions to operate in compliant, KYC-ready setups. Stablecoins like RLUSD now settle on XRPL with XRP as a liquidity bridge.
Moreover, Ripple’s roadmap highlights upcoming upgrades, including a native lending protocol (XLS-65/66) for fixed-term on-chain loans backed by Single Asset Vaults, with off-chain underwriting for institutions. XRP will be a borrowable asset, settlement layer, and FX bridge.
Early institutional participants, such as Evernorth, plan to deploy capital to boost yield and liquidity, embedding XRP into real financial workflows.
Additional upgrades, including smart escrow, confidential transfers, and a permissioned DEX, aim to make XRPL more regulated, programmable, and institution-ready.
Beyond infrastructure announcements, on-chain data shows real-world adoption is accelerating. XRPL now hosts more than $1.14 billion in tokenized commodities. This makes it the biggest tokenized asset type on the network, accounting for more than half of all tokenized real-world assets on XRPL.
Notably, these assets include energy-backed tokens, diamonds, and other commodity-linked products, placing XRPL second only to Ethereum in total tokenized commodity value. This growing base of real-world assets supports the narrative that XRP is used as settlement and collateral in tokenized markets.
XRP’s price reacted positively to these developments. After falling to $1.11 amid broader market liquidations, the token rebounded to $1.53 on February 7, a rally of over 35% from recent lows.
Although XRP has since cooled slightly, analysts attribute the rebound to renewed institutional confidence, whale accumulation, and the expanding role of XRP within XRPL’s evolving financial architecture.
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