This episode, host Turpal sits down with Jake Claver, crypto wealth manager, founder of Digital Wealth Partners and Digital Family Office, and YouTuber with 1,000+ videos, to unpack where crypto is headed next. From Bitcoin’s ETF-driven boom-and-bust dynamics to why utility chains may win the long game, Jake shares a deeply researched, contrarian-yet-coherent thesis that ties macro, regulation, and market structure into one narrative. Episode Breakdown 00:00 — Origin story: From 2020 FAANG buys to discovering “the Internet of Value” 04:07 — Why crypto: Protocols, immutable ledgers, and utility beyond speculation 05:03 — First-cycle lessons: Wins, sells, taxes, and building the right advisory circle 05:41 — From DIY to family office: Finding CPAs/attorneys who actually get crypto 06:27 — Who they serve: XRP/Hedera/XLM/XDC holders with 0.5–5M allocations 06:56 — Services: Structures, trusts, documentation, bill-pay, domestic & international teams 10:32 — Bitcoin now: Digital gold, block-size regrets, and why band-aid L2s won’t win banks 11:53 — The bear case: ETF investors aren’t HODLers—why that matters on the way down 12:23 — Unpopular take: Could BTC see $20K this cycle? Macro risks and dominance 13:23 — Tether risk: USAT pivot, correlation with BTC run-ups, and possible deleveraging 14:49 — Rotation patterns: ETH→SOL, fees/latency, and why utility chains attract institutions 18:26 — ETH outlook: EVM dominance, Solidity/Python adoption, and realistic price paths 20:24 — Throughput matters: Visa/Mastercard scale vs. network congestion realities 21:36 — Stablecoins need smart contracts: Clawbacks, directed spend, multipurpose tokens 24:20 — Why ETH ETF flows lagged: Bitcoin dominance and waiting for alt ETF rotations |25:14 — The alt ETF wave: ETH, XRP, DOGE, SOL, HBAR, LTC—SEC standardization next 26:31 — Litecoin as the cycle’s canary? Historical frontrunner and approval sequencing 27:05 — Policy tailwinds: SEC, BlackRock, MicroStrategy, and DC turning crypto-friendly 29:13 — Hype vs. utility: Trump coin, 2025 momentum, and what sticks into 2026–2027 31:03 — Real-world adoption: Why Jake sees 80–85% of the economy on-chain by 2030 32:00 — ISO 20022 and instant settlement: The “killer app” for institutional crypto 32:26 — Web3 promise: Own (and monetize) your data; digital ID right behind payments 33:19 — Digital titles, not “NFTs”: Wallet-native ownership, provenance, clawbacks34:17 — Security reality check: DeFi flash loans vs. human error and media narratives 38:39 — Making crypto safer: Institutional custody, insurance, segregation, no rehypothecation 39:20 — Counterparty risk, solved: Mirrored exposure, off-exchange settlement, atomic swaps 39:48 — Delegated value: Keep assets visible/locked while participating in pools and lending 40:18 — “Have your cake and eat it too”: Returns without DeFi risk, done in custody 40:49 — XRP at scale: A quarter-billion XRP in pool, client returns, and why stability matters 41:59 — The supply-shock thesis: How XRP could reprice, then stabilize for settlement 42:27 — Cash flow without selling: Borrowing, compounding, and tax-aware strategies 43:01 — Culture break: The “Jordans” moment crypto still needs—credible ambassadors 44:27 — Cycle parity: Bull vs. bear arguments, and what truly drives the next move 45:39 — Macro masterclass: Reverse carry trade, Japan’s rate path, oil as catalyst 47:28 — Tens of trillions in motion: Why a global unwind impacts every asset class 50:19 — The missing piece in 2024: Stablecoin bill and $2.3T treasury demand 51:01 — The domino theory: DTCC’s Project Ion, R3, and XRP as primary settlement rail 54:09 — Creator favorites: Lifestyle week-in-the-life, hair transplant travel, XRP Vegas 54:36 — Most-watched: “XRP 5-year retirement plan”—entities, exits, and infinite banking 58:27 — Jake’s CTA: BeyondBroke.com, DigitalFamilyOffice.io, DigitalWealthPartners.net
