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ake Clover, CEO of Digital Ascension Group and a long-time advocate for XRP, delivered a strong message to investors concerned about another major downturn. In a video released on September 3, 2025, Clover asserted that XRP will not crash by 90% again, pointing to structural changes in the market that make such a collapse unlikely. According to him, the market’s evolution — especially with institutional players entering through exchange-traded products and execution algorithms — has created sustained demand and improved stability.
No More Deep Crashes for XRP
Clover’s confidence is not based on wishful thinking or speculation. Instead, he attributes it to profound shifts in how XRP is traded and supported in the market. While traders and investors often hope for steep price drops to accumulate at lower levels, Clover argues that XRP has already weathered prolonged bearish phases without triggering a deep collapse.
“When it was 50 cents, nobody wanted to buy it… You had three years to buy it at 50 cents or 30 cents or 40 cents or whatever it was. It ain’t coming back,” Clover emphasized. He pointed out that XRP had multiple opportunities for accumulation during its previous low periods but didn’t see mass buying. With those windows passed, he believes another deep crash is improbable.
Structural Changes Supporting XRP’s Stability
The CEO’s argument rests on market developments that have altered XRP’s downside risks. He cites the expected approval of XRP-related exchange-traded products (ETPs) by the U.S. Securities and Exchange Commission (SEC) in 2025, which Bloomberg’s James Seyffart estimates at 95% odds. These ETFs would bring institutional investors into the fold, providing consistent demand and liquidity that shields the market from severe drawdowns.
Additionally, Clover highlights the role of execution algorithms such as time-weighted average price (TWAP) and volume-weighted average price (VWAP). These algorithms break large orders into smaller chunks executed over time, reducing price shocks and ensuring a steady inflow of buying pressure.
“They’re not letting it come back down,” Clover said. “It’s going to be sustained here because of the ETFs, because of the TWAP and VWAP and them entering the market.”
A Test Passed, Not a Crisis Ahead
Clover believes that the market has already tested XRP’s resilience. Unlike other cryptocurrencies that have faced sharp retracements, XRP has maintained support levels, particularly when paired with Bitcoin. “If it was going to crash, there’s a bunch of stuff that rolled up and then it’s back down 90% since it went up. XRP hadn’t done that,” he explained.
This behavior, Clover says, demonstrates that institutional support is already embedded in XRP’s structure. As Bitcoin’s bullish momentum continues, XRP is expected to benefit from the broader cycle’s upswing, further reinforcing its position.
Macro and Market Drivers in Favor of XRP
Beyond execution algorithms and ETF support, Clover points to several macroeconomic and structural factors that could benefit XRP over the long term. One scenario he describes is a “reverse carry trade,” where XRP’s value proposition improves as it becomes a preferred settlement layer for global markets, including potential applications in stock market backends.
Additionally, adoption through ETF flows and other investment channels could dilute near-term price concerns, as investors become less focused on small price movements and more on XRP’s long-term utility.
In one of the video’s most telling remarks, Clover presented a thought experiment: “You’re not going to care if you bought it at $2.30 or you bought it at $2.40 or you bought it at $2 when it’s a hundred dollars or $200 or $500.”
Investment Strategy: Discipline Over Timing
Clover’s advice to investors is grounded in pragmatism. Rather than chasing market bottoms or attempting to time price swings, he recommends dollar-cost averaging — steadily investing over time regardless of short-term price movements.
“Dollar cost averaging is going to be your best bet 99.9% of the time,” he said. “Trying to time the market, you’re not going to do it. It’s like 1% of traders that ever timed the market well.”
This disciplined approach ensures that investors ride both highs and lows without risking their financial stability. Clover warns against excessive leverage or borrowing to invest, urging investors to only allocate surplus cash and avoid jeopardizing basic living expenses.
“Don’t leverage yourself or over leverage yourself to the point where you can’t make your bills or can’t pay other stuff,” he stressed. “Small, regular allocations made only from surplus cash are the appropriate way to express conviction.”
Conclusion
Jake Clover’s analysis reflects a broader shift in how cryptocurrencies, particularly XRP, are perceived by investors and institutions alike. With ETFs poised to enter the market, execution algorithms providing steady support, and macroeconomic factors enhancing XRP’s utility, another 90% crash seems unlikely.
For investors, the takeaway is clear: stop waiting for another deep crash to buy at the lowest price. Instead, disciplined accumulation through dollar-cost averaging offers a far more reliable and sustainable path. As XRP continues to strengthen its foothold in both retail and institutional markets, patience and strategy will likely reward those who stay the course.
