Digital Ascension Group CEO Jake Claver is still arguing that XRP could reach both three-digit and four-digit price territory before 2030, even if the US Digital Asset Market Clarity Act is not yet in place. In his latest YouTube comments, Claver framed that outcome not as a simple market cycle call, but as a function of utility, liquidity, and a potential supply shock tied to institutional adoption.
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His central point is that XRP would need to reach a much higher price before it could be used at the scale he envisions for back-end settlement across tokenized markets. “I really think three and four digits are both possible prior to the Clarity Act,” Claver said. “I think that three digits is much more likely prior to the Clarity Act and four digits could absolutely come after the Clarity Act. And the reason for that is it really can’t start being used for back-end settlement till it’s at least three digits at scale.”
That logic sits at the heart of his thesis. Claver is not describing price appreciation as a side effect of utility arriving later. He is arguing the reverse: that XRP must first reach what he called a kind of critical mass in price and liquidity before large-scale settlement usage can begin. In his telling, a low-priced asset would not have the bandwidth required to handle settlement flows tied to markets such as equities, foreign exchange, commodities, or tokenized real-world assets.
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He also argued that XRP is positioned unusually well for that transition. Claver said banks can already hold crypto to settle transactions, citing what he described as authority from the OCC, and added that XRP is “already a commodity” in the US in his view. He pointed to XRP’s listing on Bitnomial against USD and its treatment there alongside Bitcoin and Ether as part of that reasoning.
From there, the argument becomes more aggressive. Claver said a crisis moment could trigger the kind of supply shock needed to force XRP materially higher. “I think it’s in a unique position to be used in a crisis moment and we’ll have a supply shock that pushes it to at least three digits,” he said. “But four digits could happen before the Clarity Act, but I think I don’t have a certainty on that. It could be that four digits does not happen until after the Clarity Act is passed.”
In a separate video, Claver addressed whether XRP could still appreciate meaningfully by 2030 even if his broader “domino theory” for adoption never fully plays out. His answer was yes, but with limits. Without simultaneous demand from exchanges, institutions, markets, and potentially retail, he said the “big exponential move” would be hard to achieve, even if ETFs continue to consume available supply in OTC venues and dark pools.
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He rejected the idea of a fixed repricing or peg, arguing that XRP would need a dynamic price that can keep rising as network volume expands. “It needs to be dynamic and fluid,” Claver said. “If it is fixed or stagnant like it would be if it was pegged, it doesn’t provide the same bandwidth over the long term.” He tied that to a much broader forecast, saying he believes 80% of global value will be tokenized by the end of 2030 and that XRP will settle that back-end activity.
To illustrate the “critical mass” concept, Claver compared XRP to ETF adoption thresholds. He said an ETF may need to reach $100 million before certain institutions can participate meaningfully, because of position limits and minimum allocation sizes. XRP, he argued, faces a similar hurdle: without enough liquidity first, meaningful institutional use does not begin; without that use, the extreme price targets many holders discuss do not materialize.
The result is a thesis that rises or falls on one key assumption: that markets will need XRP to be expensive before they can use it at scale. If that demand shock arrives, Claver sees room for a rapid repricing. If it does not, he suggested, the four-digit scenario remains out of reach.
At press time, XRP traded at $1.4067.
Featured image created with DALL.E, chart from TradingView.com
