Jake Claver

Jake Claver Family Office Professional | Investor | Fintech & web3 Expert

09/03/2026

David Schwartz said it directly at XRP Vegas. Retail is not in Ripple's plans for three to four years. Large corporate treasury management, backend market settlement, FX, AMMs, and institutional liquidity pools are the focus. If retail access comes, it will be through partners building consumer products on Ripple's infrastructure, not from Ripple directly.

The old system charges you for friction it built into itself in the first place. The fee isn't paying for value, it's pa...
09/03/2026

The old system charges you for friction it built into itself in the first place. The fee isn't paying for value, it's paying for delay and middlemen. Faster rails don't just trim that fee, they remove the reason it ever existed. You're getting rid of the thing being charged for, not a discount on it.

Are you paying for value, or for friction?

09/03/2026

Xumm as a wallet is solid. Yield products built on top are a separate risk category. Most are geofencing the US because they may not meet securities registration requirements. The teams are legitimate and trying to do things right but DeFi yield without proper registration is legally murky for US participants. If you access any of these through a VPN, understand you are taking on legal and financial risk without insurance, subscription agreements, or regulatory recourse if something goes wrong.

09/03/2026

Blockchain transparency making government spending and voting publicly auditable is a legitimate reason certain interests would resist it. A digital identity system with zero-knowledge proof verification on blockchain removes ambiguity from both voting and financial accountability. The same technology that enables XRP adoption also enables that transparency. Whether that connection is driving Clarity Act delays is speculative but the incentives worth examining are real.

The XRP Ledger just showed up in a BIS working paper. Four of the five authors work at the BIS.They built a proof of con...
09/03/2026

The XRP Ledger just showed up in a BIS working paper. Four of the five authors work at the BIS.

They built a proof of concept on XRPL DevNet that anchors cryptographic fingerprints of official statistics. Anyone can then check who published a dataset and whether it changed after release.

They picked the XRPL for the low fees and fast finality, the developer resources, and the published research on how its consensus protocol works. In their controlled tests, publishing took 3 to 5 seconds and checking took 1 to 2.

When these researchers needed a public ledger for an official-data prototype, the XRPL is what they built on

09/02/2026

Bonds and treasuries perform well when interest rates are high and markets are stressed. BIS currently designates US treasuries as riskless tier one collateral. Japanese bonds are moving toward higher yields as rates rise. That makes both worth understanding as potential safe harbor assets. Talk to a financial advisor before making any changes to your portfolio based on macro expectations.

New book available now on Amazon
09/02/2026

New book available now on Amazon

You were early.Early enough that telling people felt like admitting to a gambling problem.Your brother-in-law had a comm...
09/02/2026

You were early.

Early enough that telling people felt like admitting to a gambling problem.

Your brother-in-law had a comment ready every Thanksgiving.

Your financial advisor wouldn't touch it. Said it wasn't a real asset class.

You held anyway. Through the crash. Through the exchange that collapsed with everybody's money still inside.

Then you turned out to be right.

Which is when the instinct that got you here starts working against you.

You learned not to trust a third party. So you pulled it off the exchange. Bought the hardware wallet. Wrote the seed phrase down and put it somewhere only you would think to look.

That is exactly what makes it unrecoverable.

Ordinary money announces itself. Banks mail statements, counties record deeds, and your executor finds it without being told anything in advance.

A device in a drawer announces nothing.

So if nobody knows the wallet exists, no document saves it. A court order does not conjure a seed phrase.

Everything you took years of ridicule for can end as a number nobody can reach.

Step one is boring, which is why it never gets done. Write an inventory. What you hold, where it lives, in language somebody who has never opened a wallet could follow. Not the keys yet. Just proof it exists.

Step two is the part an inventory cannot do on its own. Somebody needs authority to act on it without waiting months for a court to grant it. That is what a living trust is built for.

DAG connects you with the professionals to get living trusts structured and funded and can walk you through whether it fits.

You spent years being told you were wrong about the asset.

Don't be wrong about the part that gets it to the people you did this for.

Ripple published an XRPL AI Starter Kit built around the x402 protocol, giving developers a direct path to wire AI-agent...
09/02/2026

Ripple published an XRPL AI Starter Kit built around the x402 protocol, giving developers a direct path to wire AI-agent payments into the ledger using XRP. That's infrastructure aimed squarely at the next wave of automated, machine-driven transactions.

09/02/2026

At 35 with a 30 year horizon, a sharp pullback in the 401k is a buying opportunity, not a catastrophe. The thesis is a V-shaped recovery driven by AI deployment, productivity gains, and GDP growth following the unwind. The people who hold through the drawdown and keep contributing are the ones who benefit most from the recovery. Talk to a financial advisor about your specific allocation and risk tolerance.

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