Analyst Jake Claver predicts a big sell-off by some retail XRP holders if the token ever reaches $10 — but he also says that price spike could be exactly the kind of “life-changing” event that explains it.
In a recent video, Claver laid out a 15-year thesis for Ripple: he thinks the company could become the dominant backbone of global payments and banking infrastructure by 2040 — “the Goliath, the Amazon of payments and banking infrastructure,” in his words. His case centers less on the token and more on a strategic build-out of the plumbing banks and payments firms will need.
Acquisitions and product moves underpin that argument. Recent deals mentioned by Claver include:
- GTreasury — a cash-management platform.
- Hidden Road — a clearing and prime-brokerage firm now rebranded as Ripple Prime.
- Rail — focused on stablecoin issuance and management.
- Metaco and Standard Custody — combined into Ripple Custody, which includes a trust-chartered bank and a New York BitLicense.
Taken together, Claver sees Ripple increasingly functioning as a global back-end provider for settlement, custody and liquidity — the kind of infrastructure that often gets built long before mainstream recognition, much like Amazon’s early warehouse and logistics buildout.
That longer-term view also informs his market expectations. Claver estimates that between 30% and 50% of retail holders with meaningful XRP positions would likely sell at least some of their holdings if XRP reached $10. With about 250,000 people holding more than 3,000 XRP, that $10 mark would translate into substantial windfalls for many, making some selling a rational choice rather than a loss of faith.
Institutional holders, by contrast, appear more committed to the long-term thesis, according to Claver. He says his institutional clients generally hold firmer and that his team has created financial products enabling holders to post XRP as collateral and earn returns without liquidating — reducing the pressure to choose between liquidity now and longer-term exposure.
Whether Ripple becomes the payments “Amazon” by 2040 remains uncertain, but the company’s aggressive acquisition trail and product expansion suggest it’s actively laying down the infrastructure that could make that scenario possible. For now, Claver’s view frames Ripple less as a speculative crypto story and more as an infrastructure play with potential near- and long-term market implications.
Featured image: Pexels. Chart: TradingView.
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