A Long-Term Approach to Wealth in Crypto

Jake Claver, CEO of Digital Ascension Group, explains how high-net-worth investors use assets such as XRP to build long-term wealth without selling them. In his view, the key is not to realize profits but to leverage existing holdings as collateral.

In a post on X, he noted that wealthy individuals rarely sell their assets. Instead, they borrow against them. This strategy has long been common in real estate and equity markets, and according to Claver, it can also be applied to digital assets like Bitcoin or XRP.

Selling cryptocurrencies often triggers capital gains taxes and eliminates exposure to potential future price appreciation. Using XRP as loan collateral allows investors to access liquidity without parting with their tokens. This approach helps maintain market exposure while still benefiting from possible price increases.

Claver also points out that many investors lack clearly defined strategies. A price surge alone will not be transformative if decisions are driven by emotion. Establishing a plan in advance—and consistently following it—is far more important than trying to perfectly time the market.

Legal structure also plays a significant role. A Wyoming LLC is often cited as a flexible alternative to traditional S Corporations or C Corporations for crypto holders. Benefits may include pass-through taxation, the option to elect S Corp status, and potential tax efficiencies when structured properly.

In a video titled How to Never Pay Taxes on Your Crypto, Claver discusses estate planning. Without appropriate structures in place, cryptocurrency wealth can be significantly reduced by estate taxes and generation-skipping transfer taxes. Tools such as dynasty trusts and generation-skipping trusts, when properly designed, can help preserve growing assets for future generations while minimizing tax burdens.

Under this framework, cryptocurrencies are not merely speculative instruments. Strategic planning, proper legal structuring, and asset protection determine whether accumulated capital can endure over the long term.

Although borrowing from banks against cryptocurrency holdings may currently seem unrealistic in countries like Poland, this scenario could become more common in the years ahead. In the United States, banks already consider digital assets as part of an individual’s net worth when assessing creditworthiness. If this financial trend continues, similar solutions may eventually emerge in other markets. As regulatory clarity increases and crypto adoption grows, financial institutions may begin to treat digital assets as a fully recognized component of personal wealth.