Jake Claver, CEO of Digital Ascension Group, says most $XRP Owners still underestimate what they own.
In a tweet he explains: $XRP As a fundamental infrastructure rather than a speculative asset. According to him, $XRP This represents the “purest collateral” the world has ever seen. Claver added: $XRP It acts as “the oxygen that the new financial system needs to breathe.”
However, according to his own assessment, “99% of people” $XRP They have “no idea” what they actually own.
Important points
Digital Ascension CEO Jake Claver calls $XRP “The most primitive collateral.”
He claims that 99% of holders have “no clue.” $XRPtrue potential.
XRPL currently hosts $1.14 billion in tokenized products and is driving real-world adoption.
$XRP It rebounded 35% as financial institutions showed renewed confidence in the token.
$XRP As collateral rather than a transaction
Mr. Claver’s comments are as follows: $XRPThe story moves from short-term price fluctuations to real-world use and institutional appeal. Supporters see $XRP It acts as a neutral liquidity collateral for settlement, liquidity and credit in regulated markets.
Rather than competing with traditional assets, $XRP It could help move value, unlock collateral, and improve balance sheets in a tokenized financial system.
Ripple’s institutional DeFi roadmap reinforces the theory
This perspective has gained traction in Ripple’s recent institutional DeFi blueprint. $XRP Ledger is moving beyond payments to a full institutional finance layer. Supports FX trading, tokenized assets, collateral management, and on-chain credit.
$XRP sits centrally, driving payments, network fees, reserve requirements, FX bridging, and collateral flows. Features such as allowed domains and credentials enable institutions to operate with a compliant and KYC-enabled setup. Stablecoins like RLUSD now settle on XRPL. $XRP As a bridge for liquidity.
native lending
Additionally, Ripple’s roadmap highlights upcoming upgrades, including a native lending protocol for fixed-term on-chain loans (XLS-65/66) backed by a single-asset vault with off-chain underwriting capabilities for institutions. $XRP These are borrowable assets, settlement layer, and FX bridge.
Early institutional investors such as Evernorth plan to deploy capital to increase yield and liquidity. $XRP Can be incorporated into actual financial workflows.
Additional upgrades such as smart escrow, confidential transfers, and permissioned DEX aim to make XRPL more regulated, programmable, and institution-friendly.
$XRP Ledger surpasses $1 billion in tokenized products
Beyond infrastructure announcements, on-chain data shows real-world adoption is accelerating. XRPL currently hosts over $1.14 billion in tokenized products. This makes it the largest 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, making XRPL second only to Ethereum in total tokenized commodity value. This growth in real-world assets confirms the following narrative: $XRP Used as settlement and collateral in tokenized markets.
The market reacts as follows $XRP Over 30% rebound
$XRPprices have responded positively to these developments. The token fell to $1.11 amid widespread market liquidation, before rebounding to $1.53 on February 7, an increase of more than 35% from recent lows.
nevertheless $XRP It has cooled slightly since then, but analysts attribute the recovery to restoring institutional investor confidence, whale accumulation, and the expanding role of the ocean. $XRP Within XRPL’s evolving financial architecture.