A leading crypto adviser is sending an urgent message to XRP investors. Jake Claver, who advises the ultra-wealthy, says the time to prepare is before XRP becomes real money. He warns that too many investors wait until after profits arrive, and by then it may be too late to avoid problems. Claver explains that early planning could be the best way to protect XRP investor gains and keep them safe. According to him, waiting until the windfall is already in their wallet leaves them exposed and unprepared.

Get Your Structure In Place Before XRP Profits Arrive

Jake Claver’s first piece of advice in his X post is direct: get your structure in place before profits come in. He says many XRP investors are waiting too long, and that delay can lead to risks that are hard to fix later. As a crypto adviser for the ultra wealthy, Claver has seen how fast success can turn into trouble when investors ignore planning. He makes it clear that action must come before the gains, not after.

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The crypto adviser stresses that XRP investors need to focus on legal, tax, and security planning while they still have time. If these steps are skipped or delayed, investors may face significant burdens when their coins become of real value. Problems can arise quickly, and once they do, they become more complex and more expensive to resolve. 

Claver cautions that establishing a structure is not about fear but being smart. Building the right plan now helps investors enjoy their success later without stress. In his view, the best way to secure digital wealth is to take action early, not when the profits are already sitting in the wallet.

Trusts, LLCs, And Custody Solutions Built For Digital Assets

Jake Claver also points to the tools he thinks work best for building crypto wealth. He says basic templates are not enough for serious investors, and XRP holders need structures made for digital assets if they want their coins to turn into lasting money.

The crypto adviser for the ultra-wealthy recommends using digital asset–specific trusts, LLCs, and custody solutions. These solutions could provide XRP investors with lasting financial security, giving them a strong way to protect their wealth and avoid costly mistakes as their digital holdings gradually turn into real money.

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The tools are not one-size-fits-all but they handle the fast growth and changing rules around digital coins. With the proper setup, XRP investors can protect their profits, pass on wealth to the next generation, and keep it safe from sudden losses.

Claver’s warning is clear, asking XRP investors to act early. By putting these protections in place before profits arrive, they can hold on to the value they have built and avoid risks from waiting too long. 

Featured image from Dall.E, chart from TradingView.com

Bitcoin climbed past $122,000 this week, marking its fourth straight month of gains. It even touched $123,000 Monday before dipping slightly.

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Prices like these put the crypto asset well beyond what many everyday earners can afford. According to the Social Security Administration, the average yearly salary in the US is $66,600. That means a single coin now costs nearly twice what a typical worker makes in a full year.

Bitcoin Prices Soar Past Records

Based on reports from top crypto channel Altcoin Daily, high‑net‑worth individuals are being urged to act fast. The platform tweeted that millionaires should consider buying at least 1 BTC now, while it’s still within reach.

This warning follows a popular post from El Salvadorian President Nayib Bukele, who pointed out that not all millionaires will be able to pick up a whole Bitcoin. With just 21 million BTC ever to exist and over 50 million millionaires worldwide, grabbing even 0.5 BTC would be out of reach if everyone tried.

If you’re already a millionaire you need to buy 1 whole Bitcoin before it gets to expensive for you.

— Altcoin Daily (@AltcoinDaily) July 13, 2025

Supply Crunch And Demand Rising

According to Bloomberg Terminal data, traders are already thinking in terms of “millions per coin.” That shift reflects growing expectations that Bitcoin will surge into seven‑figure territory.

United States President Donald Trump’s second son, Eric Trump, recently said that half a Bitcoin will be a huge amount of money soon and predicted the crypto could hit $1 million in the mid‑term. Those comments add to a chorus of bullish voices.

Millionaires Feel The Squeeze

Based on analysis from Binance co‑founder Changpeng Zhao, the $1 million mark isn’t far off. He told investors that it could happen in this bull cycle. Brandon Green of BTC Inc. agreed, forecasting a similar timeframe for liftoff. If those estimates hold, owning less than a coin may soon feel like holding pocket change.

Big Names Project Massive Gains

Ark Invest has put a $1.5 million base‑case target on Bitcoin by 2030, with a $2.4 million bull case riding on more institutional and nation‑state buying.

That study credits a supply squeeze and wider adoption as key drivers. Meanwhile, Michael Saylor, who chairs Strategy, has set his sights even higher. He raised his forecast to $13 million per coin by 2045, citing rapid regulatory clarity and fast‑tracking corporate investment.

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Bold Forecasts Paint A High Stakes Picture

Some of these price targets may sound lofty. Yet they reflect a simple math problem: shrinking supply meets growing demand. Fractional ownership allows small investors to chip in over time, but the sense of urgency is hard to ignore.

For now, Bitcoin’s rally is rewriting affordability rules, and the window for easy access may be closing.

Featured image from Meta, chart from TradingView

Wealthy US investors say they are more likely to hire financial advisers who provide crypto guidance, according to a June 2025 CoinShares survey of 500 individuals with at least $500,000 in investable assets.

A vast majority (88%) of investors already work with an adviser, and 58% rank advisers as their most trusted source for digital asset information., ahead of market analysis tools, podcasts, and peer networks.

Among those not yet in crypto, 78% of sub-high-net-worth and 93% of high-net-worth respondents said they would consult an adviser before making a purchase.

The survey also shows that 82% of all respondents would be “more inclined” to retain an adviser who offers crypto guidance, while 49% would actively seek one with demonstrable expertise.

What investors want

Respondents cite two primary roles for advisers: securing compliant investment vehicles such as exchange-traded funds (ETFs) or trusts and designing portfolio allocation and risk management strategies, each selected by 54% of participants.

Other valued services include custody recommendations (46%), tax and regulatory support (49%), and education on blockchain fundamentals (47%).

When asked about red flags, 29% point to advisers who lack personal crypto experience, and another 29% point to product recommendations delivered without a clear explanation of risks.

Personas shape advice demand

CoinShares segment investors into three groups: “crypto-curious” (21%), “cautiously confident” (38%), and “committed” (37%).

The crypto-curious lean on advisers for basic education and prefer passive products. At the same time, the cautiously confident seek familiar structures such as ETFs and stablecoins.

The committed want advanced strategies covering decentralized finance (DeFi), staking, and tax optimization.

Across all personas, 65% say they have delayed an allocation because reliable information was lacking, and only 6% feel fully informed about digital-asset investing.

Adviser’s outlook

The report highlighted that 91% of advisers surveyed in late 2024 remain optimistic about Bitcoin’s mainstream adoption, and 42% warn that late adopters will face higher risks.

These views mirror client sentiment, as 90% of current crypto holders plan to increase exposure in 2025, while 75% of non-holders either want to learn more or intend to invest soon.

The findings position digital asset competence as a decisive factor in adviser selection among affluent investors and outline specific service areas, such as compliant products, portfolio design, custody, and tax guidance, that drive that preference.

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Spanish bank BBVA now recommends that its affluent clients allocate 3-7% of their investment portfolios to cryptocurrencies like Bitcoin (BTC). This announcement was made by Philippe Meyer, head of digital and blockchain solutions at BBVA Switzerland.

BBVA’s Approach To Bitcoin And Crypto Investments

Meyer shared this insight during the DigiAssets conference in London, indicating that the bank began advising clients on Bitcoin investments as early as September 2022. He noted that for clients with a higher risk appetite, BBVA is willing to endorse a digital asset allocation of up to 7%. 

This marks a significant evolution in the bank’s approach, as it has been facilitating client requests for cryptocurrency purchases since 2021 but is now formally advising on portfolio allocations.

The timing of BBVA’s endorsement comes as cryptocurrency prices have seen substantial growth, particularly with Bitcoin reaching new record highs near the $112,000 mark in May. 

This recovery follows a turbulent period in 2022, when the collapse of prominent exchanges like the defunct FTX left many investors facing significant losses. 

The resurgence of digital currencies has also been bolstered by supportive stances from influential figures, including US President Donald Trump with a pro-crypto agenda taking shape in key roles and bills advancing in the Senate.

Despite this increased interest for cryptocurrencies, many private banks typically execute client requests to buy cryptocurrencies, which is relatively rare for them to actively recommend such investments. 

The European Securities and Markets Authority has previously cautioned that a vast majority of EU banks—approximately 95%—do not engage in crypto activities, highlighting the cautious stance of the financial industry.

Plans For More

Meyer emphasized that BBVA is likely among the first major global banks to formally advise its wealthy clientele on digital asset investments. In June 2021, the bank launched Bitcoin trading and custody services through its Swiss subsidiary, aiming to establish itself as a leader in adopting blockchain technology. 

BBVA’s CEO for Switzerland, Alfonso Gómez, remarked at the time that this innovative offering positioned the bank as a benchmark institution in the evolving digital landscape.

Currently, the bank’s investment advice focuses on Bitcoin and Ethereum (ETH), with plans to expand recommendations to include additional cryptocurrencies later this year. 

Meyer expressed confidence in the strategy, suggesting that even a modest 3% allocation could enhance overall portfolio performance without exposing clients to significant risk.

BBVA’s interest in digital currencies is not a recent development; the bank has been exploring Bitcoin and blockchain technology since at least 2015. 

In a forward-looking statement, BBVA acknowledged that institutions embracing digital currencies would likely lead the way in a new monetary system, underscoring their belief in the strategic advantages afforded to early adopters.

https://www.tradingview.com/x/g5AHPExr/

When writing, the market’s leading crypto trades at $103,945, recording a drop of 4% in the weekly time frame. 

Featured image from DALL-E, chart from TradingView.com 

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Institutional investors and wealthy clients are increasingly looking for ways to generate returns for digital assets held in a safe, regulated environment. Through the launch of the USDG Rewards program, Kraken Custody is currently offering rewards for USDG, a Stablecoin built on the Ethereum platform.

Registration is seamless. Clients who hold or pledge USDG will be automatically included in the program once their address is registered. Remuneration is distributed monthly and directly detained, helping clients earn returns without disrupting existing workflows. All payments will undergo compliance and fraud screening and maintain regulatory standards required by the agency.

Protected under Kraken Financial’s SPDI framework

The USDG Rewards program operates within Kraken Custody’s eligible custody model backed by Kraken Financial’s Wyoming Special Purpose Deposit Agency (SPDI) charter. This structure provides complete asset segregation, operational transparency and regulatory oversight. This provides institutional clients with a custody solution that meets the highest compliance standards.

Currently supports Sol and XRP custody

In addition to launching rewards at USDG, Kraken Custody has now supported custody by Sol and XRP. These assets are not part of the compensation program, but are fully supported for secure, isolated storage within a qualified custody platform.

With this expansion, the institution and HNWI will provide wider access to high-demand assets with the same custody protection expected across the portfolio.

Recent strengthening custody outcomes

Kraken Custody continues to evolve to meet the complex needs of our institutional and private clients. Recent enhancements are designed to unlock new yield opportunities, simplify operations, and provide personalized support for strategic digital asset management.

Enhanced HNWI support

• Secure custody infrastructure tailored to private clients
• A VIP service model to simplify onboarding and ongoing management
• Integrated support for well teams and multi-center structures

Tao via qualified custody

• Access on-chain staking rewards without compromising regulatory alignment
• Secure participation in route networks via Custody-Native Staking
• Minimize operational overhead with managed workflows
• A scalable, compliant solution for institutions seeking yields on tokenized infrastructure assets

Institutional custody with built-in reward opportunities

Kraken Custody combines secure infrastructure, regulatory clarity and integrated reward opportunities to help clients acquire more value from their digital asset strategies without compromising on compliance or control.

A new survey commissioned by crypto asset manager Grayscale Investments shows that deep-pocketed investors are leading the adoption of cryptocurrency in the US.

In a research conducted in three waves between November 2023 and September 2024, analytics firm The Harris Poll surveyed 5,368 individuals who planned to vote in the 2024 presidential election.

The results reveal that 26% of Americans with investable assets of at least $1 million own cryptocurrency, which is higher than the national average of 21%.

Among the high-net-worth individuals (HNWIs), 38% believe that their investment portfolio will include crypto in the future. The number includes 53% of HNWIs under the age of 50 and 22% over the age of 50. 

Says Grayscale,

“This interest among high-net-worth investors of different ages is encouraging to see and as a result, we’re beginning to enter a period where many expect crypto to become part of their portfolio.”

A fifth of high-net-worth Americans say that they would consider owning crypto as an asset or investment tool in the future and 22% think that crypto is a good long-term investment opportunity.

More than a third (36%) of these wealthy investors also say that they are paying more attention to Bitcoin (BTC) and other crypto assets because of geopolitical tensions, inflation and a weakening of the US dollar.

Grayscale also says that the approval of spot Bitcoin exchange-traded funds (ETFs) in the US piqued the interest of 34% of high-net-worth investors, which signals that more affluent individuals are starting to see a potential role for digital assets in their portfolios.

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The Central Bank of the Russian Federation has reportedly released a proposal that if approved, would allow qualified entities to trade crypto assets.

In a statement, the central bank proposes a three-year experiment where wealthy investors and certain firms have the greenlight to buy and sell crypto assets, reports Reuters.

The Central Bank of Russia says the experiment is designed to boost transparency in crypto trading but warns that participants can lose money dabbling into digital assets.

“This is a new status that … citizens will receive if their investments in securities and deposits exceed 100 million roubles ($1.15 million) or if their income over the past year was more than 50 million roubles ($575,000).”

In July of 2020, Russia enacted a law that banned the use of cryptocurrencies such as Bitcoin (BTC) to purchase goods and services in the country. But the European giant appears to be softening its stance on digital assets after the US and its allies imposed crippling sanctions against Russia for the war in Ukraine.

In September, the country passed a bill that enabled legal entities and registered entrepreneurs to mine digital assets. Reports also emerged last year that Russia will try to use the National Payment Card System (NSPK) to trade rubles and crypto assets when testing payments and the exchange platform.

The NSPK was created in 2014 and is wholly owned by the Central Bank of Russia, but was placed under sanctions in February 2024 by the United States Department of the Treasury.

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Disclaimer: Opinions expressed at The Daily Hodl are not investment advice. Investors should do their due diligence before making any high-risk investments in Bitcoin, cryptocurrency or digital assets. Please be advised that your transfers and trades are at your own risk, and any losses you may incur are your responsibility. The Daily Hodl does not recommend the buying or selling of any cryptocurrencies or digital assets, nor is The Daily Hodl an investment advisor. Please note that The Daily Hodl participates in affiliate marketing.

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