Crypto CEO Says XRP Is the Most Pristine Collateral the World Has Ever Seen, but 99% of People Have No Clue

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.

Key Points

• Digital Ascension CEO Jake Claver calls $XRP “the most pristine collateral”.

• He argues says 99% of holders “have no clue” about $XRP’s real potential.

• XRPL now hosts $1.14B in tokenized commodities, boosting real-world adoption.

• $XRP rebounds 35% as institutions show renewed confidence in the token.

$XRP as Collateral, Not a Trade

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.

Ripple’s Institutional DeFi Roadmap Reinforces the Thesis

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.

Native Lending

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.

$XRP Ledger Surpasses $1B in Tokenized Commodities

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.

Market Responds as $XRP Rebounds Over 30%

$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.