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XRP is undergoing a fundamental narrative shift, moving from a speculative retail trade to a core infrastructure asset for the global financial system. According to Jake Claver, CEO of Digital Ascension Group, XRP is the "most pristine collateral the world has ever seen," acting as the essential "oxygen" for a new, tokenized monetary architecture. While 99% of holders may still underestimate its potential, on-chain data and Ripple’s institutional roadmap tell a different story: the XRP Ledger (XRPL) now hosts over $1.14 billion in tokenized commodities and is rolling out a native lending protocol designed to turn passive XRP holdings into active, yield-generating capital for regulated institutions.
XRP as "Pristine Collateral": The Claver Thesis
The argument for XRP's long-term value centers on its utility as a neutral, liquid asset for institutional balance sheets.
Infrastructure Over Speculation: Jake Claver argues that XRP is not merely a token to be traded, but foundational financial infrastructure. Its role is to act as a liquid bridge for settlement, liquidity, and credit in regulated markets.The Oxygen of Finance: By serving as a high-velocity collateral layer, XRP can help institutions unlock trapped value, improve balance sheet efficiency, and move value across borders without the friction of traditional banking rails.
Tokenized Adoption: Surpassing $1B in Real-World Assets
The "pristine collateral" thesis is increasingly supported by the growth of real-world asset (RWA) tokenization on the XRP Ledger.
Commodity Dominance: XRPL now hosts more than $1.14 billion in tokenized commodities including energy-backed tokens, diamonds, and other commodity-linked products. This represents more than half of all RWAs on the network.Market Position: With this growth, the XRPL has secured its place as the second-largest network for tokenized commodities, trailing only Ethereum. This trend confirms that XRP is actively being used as the settlement and collateral layer for high-value, off-chain assets.
The Institutional DeFi Roadmap: Native Lending and Beyond
Ripple is actively building the tools required to formalize XRP’s role in institutional credit markets.
The Lending Protocol (XLS-65/66): Upcoming upgrades will introduce a native lending protocol on the XRPL. This will allow institutions to participate in fixed-term on-chain loans backed by Single Asset Vaults, with XRP serving as the borrowable asset, settlement layer, and FX bridge.Regulated Ecosystem: Features like Permissioned Domains, smart escrows, and confidential transfers are being integrated to make the XRPL an end-to-end "operating system" for real-world finance. These tools allow institutions like Evernorth to deploy capital in a compliant, KYC-ready environment.
Essential Financial Disclaimer
This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Jake Claver’s assessment of XRP as "pristine collateral" and the 35% price rebound are based on technical analysis and market data as of February 7, 2026. Tokenization of real-world assets (RWAs) involves significant legal, regulatory, and technical risks. The successful deployment of Ripple’s institutional DeFi roadmap and lending protocols is subject to validator approval and broad institutional adoption, neither of which is guaranteed. XRP remains a high-risk asset subject to extreme volatility; past performance is not indicative of future results. Always conduct your own exhaustive research (DYOR) and consult with a licensed financial professional before making significant investment decisions in digital assets or the XRPL ecosystem.

Do you agree that XRP is the "oxygen" the new financial system needs, or is the "pristine collateral" narrative just institutional hype?