XRP price sits around $2.13 and conversations around higher targets keep circulating. Plenty of predictions still point toward a possible climb to $100, even though crypto charts have shown a downtrend over the past few weeks.
Some investors remain confident that XRP will eventually break out again and push toward those ambitious levels. Excitement usually grows around those predictions, but the practical side of holding XRP does not usually enter the discussion. TheCryptoBasic stepped in to bring forward an angle that many holders might overlook.
What you'll learn 👉
Why XRP Price Targets Can Hide Serious Complications
TheCryptoBasic referenced a detailed breakdown from Digital Ascension Group DAG, a family office supporting wealthy families with long-term planning. DAG pointed toward an issue most XRP token holders rarely think about. IRS rules still treat crypto as property because of Notice 2014-21 from 2014.
Every sale, trade, or everyday payment made with XRP counts as a taxable event. Gains or losses must be calculated using fair market value at the time of each transaction, which adds weight to even small movements involving the Ripple token.
DAG explained that many holders managing large XRP portfolios often fail to grasp how demanding this becomes. People frequently store their XRP inside personal wallets without legal protection. A lawsuit involving a car accident, business conflict, or property injury can push courts to request a full list of assets. Judges can also ask for wallet keys, which places unstructured holdings at serious risk.
How Ripple Token Holders Become Exposed Without a Proper Structure
Some believe they can claim that access to a wallet has been lost. DAG clarified that courts can treat such statements as obstruction if they appear dishonest. Contempt charges remain possible, and assets can stay frozen while the case moves forward. This risk grows as Ripple price rises since larger amounts attract stronger legal scrutiny.
TheCryptoBasic noted that DAG views this through the same lens wealthy real estate families have used for decades. Property classification adds responsibility, although it also offers planning tools that can preserve long-term wealth once XRP reaches higher targets.
DAG pointed toward the step-up basis rule. Someone who bought XRP at $0.50 and dies while Ripple trades at $100 passes the asset to heirs at the $100 value, which removes the capital gains tax on earlier growth. That structure benefits families who think ahead rather than waiting until late stages.
Despite these risks, Digital Ascension Group said the IRS’s property classification also allows for efficient wealth-planning tools, many of which wealthy real-estate families have used for generations.
— TheCryptoBasic (@thecryptobasic) November 20, 2025
One example is the step-up basis at death. Specifically, if someone buys XRP…
Borrowing against XRP instead of selling it is also entered the explanation. This unlocks liquidity without creating a taxable event. Elon Musk’s choice to borrow about $40 billion against Tesla shares during the Twitter purchase served as an example showing how high net worth individuals often use this method with traditional assets.
How Investors Can Protect XRP and Ripple Token Holdings
A Wyoming LLC became another major point raised by DAG. This structure provides charging order protection which shields crypto from creditors. Creditors can only wait for distributions while the investor maintains full control.
Gifting also offers long-term benefits. Families can move up to $13.6 million tax-free or $27.2 million for married couples using Form 709 which reduces the size of a taxable estate.
A final layer appears when the LLC sits inside a revocable living trust. The surviving spouse becomes trustee immediately after death without waiting through probate, which sometimes lasts six to twenty-four months and costs several percent of the estate. Families holding large amounts of Ripple often prefer avoiding that process.
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TheCryptoBasic shared DAG’s warning that many families lose wealth because assets remain in personal names too long. Higher targets for XRP bring excitement, yet they also bring larger responsibilities. Proper structure protects both the investor and whoever receives the assets later.
XRP always creates strong expectations whenever momentum builds. A future climb to $100 remains a popular discussion point, although the challenges that come along with that move may surprise many holders. Curiosity around these deeper issues often grows once people see how much planning matters beyond price predictions.
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