Jake Claver has an interesting answer to the question of where Ripple will land on the global financial scene by 2040 to 2050.
“I think they will be Goliath, Amazon payments and banking infrastructure.” He said. “That will probably be sooner with the acquisitions they’ve made in 2025 and into 2026.”
The acquisitions he refers to tell a story of their own. GTreasury for cash management. Ripple Prime, formerly Hidden Road, for clearing and brokerage. Railroad to issue and manage stablecoinsRipple Custody, formerly known as Metaco and Standard Custody, which has a charter bank and BitLicense in New York.
Overall, Claver describes Ripple as already serving as a global back-end payments and settlement infrastructure provider. But he sees the endgame as something bigger.
Will XRP holders actually hold $10 and beyond?
Claver was directly asked what percentage of retail XRP holders would sell before the token hits $10. His appreciation was clear.
“It is likely that 30-50% of people who own a significant amount of XRP will liquidate at least some portion,” he said.
His thinking reflects the reality of who owns the assets. Globally, about 250,000 people own more than 3,000 XRP. For many of them, $10 is life-changing money. Taking profits at 5x or 10x is rational behavior, not weakness.
Claver holders that Claver works with directly understand the longer thesis and are less likely to sell early. He has also built products that allow holders to collateralize their XRP and earn returns without liquidation, eliminating the need to choose between holding liquidity over the long term or accessing liquidity.
Ripple’s trajectory, in Claver’s telling, is not primarily a cryptocurrency story. It’s the story of infrastructure. The company is building the backend that every major financial institution will eventually run on, whether they admit it or not.
The Amazon comparison is not accidental. Amazon built warehouses and logistics before most people understood why. Ripple is building settlement rails, custodial infrastructure, and liquidity routing before most banks are ready to admit they’ll need it.
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