Jake Claver Reveals His Top 3 Cryptos If XRP Didn’t Exist

As the cryptocurrency market moves deeper into utility-driven investing, long-term investors are paying closer attention to projects with strong infrastructure, real-world adoption, and measurable enterprise use cases. While XRP remains a major focus in discussions around institutional blockchain payments, many investors continue to ask which other digital assets could deliver strong returns if XRP were removed from the equation.

Crypto Kylo recently brought that conversation to the forefront by sharing a video clip on X featuring investor and market commentator Jake Claver. In the discussion, Claver revealed the three cryptocurrencies he would choose for the highest potential return on investment by 2030 if XRP did not exist. His selections focused heavily on practical utility rather than short-term market hype.

HASH Leads as Claver’s Hidden Gem

Claver placed HASH at the top of his list, calling it a sleeper project that most investors are overlooking. He explained that the token is currently available mainly on Figure Markets and Osmosis, which limits mainstream attention but may create significant upside if broader exchange listings arrive.

He compared HASH to his early investment in XDC and pointed to its real-world applications as the reason for his confidence. According to Claver, the network supports the tokenization of mortgage-backed securities, with approximately $1 billion to $1.5 billion processed on-chain each month. He also highlighted life insurance and other insurance products being tokenized on the same infrastructure, which strengthens the project’s long-term use case.

HBAR Secures the Second Spot

Claver ranked Hedera’s HBAR as his second choice, citing its strong enterprise foundation and long-term growth potential. He believes HBAR could play a major role in merchant services, Web3 applications, and what he described as the growing agentic economy.

Hedera has built a reputation for fast, low-cost transactions and enterprise-grade governance. Its structure appeals to institutions looking for scalable blockchain solutions, and Claver sees this practical adoption path as a major driver of future value.

XLM Completes the Top Three

For his third pick, Claver selected Stellar’s XLM, pointing to its strength in peer-to-peer payments and consumer-facing financial services. He explained that XLM offers more visible retail interaction because users directly engage with payment systems and merchant services built on the network.

He compared this with XRP, which he described as primarily focused on backend institutional settlement. He argues XLM and HBAR may gain stronger real-world adoption since consumers use their ecosystems more directly.

Real Utility Drives Long-Term Value

Claver’s list reflects a broader investment philosophy that prioritizes utility over speculation. Instead of focusing on short-term meme coin rallies, he emphasized blockchain networks solving real financial problems through payments, asset tokenization, and enterprise infrastructure.

While aggressive price predictions remain speculative, the core message remains clear: projects with strong real-world adoption often hold the strongest long-term investment potential. For investors looking toward 2030, Claver’s top three picks offer a strong reminder that utility still matters most.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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