Will Individuals Ever Hold XRP Directly With Ripple. Jake Claver, recorded June 2026.
More on this subject: jakeclaver.com.
What this recording covers
Claver explains why enterprise technology firms like Ripple focus exclusively on business-to-business institutional infrastructure rather than offering retail custodial or banking services. Addressing whether individual token holders will ever deposit assets directly with the primary network developer, Claver clarifies that the company operates as a back-end technology and settlement platform for financial institutions and corporate treasuries. Institutional infrastructure providers prioritize large-volume payment settlement, corporate liquidity management, and commercial lending integration rather than servicing individual accounts or private wealth management clients. Claver shares his personal experience seeking institutional custody accommodations, recalling how corporate acquisitions resulted in the offboarding of private client accounts due to the company's vast internal token reserves and institutional focus. While intermediary third-party platforms may provide retail access rails, primary ledger infrastructure developers remain dedicated to enterprise and institutional banking channels.
Where this fits
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