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A new wave of debates sweeps the crypto circles, because some analysts suggest that XRP could one day be negotiated at $ 20,000 per room. The price today is nearly $ 2. This means a jump of 10,000 × of current levels.
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According to reports, the idea first took shape in 2022, when the game developer and Xrp Backer Chad Steingraber presented a plan that was based on large banks and token workers.
Now, this daring forecast has resurfaced on the social platform X, causing a new conversation on how this digital token could then go.
“The Chad Steingraber Theory” – The road to $ 20,000 #Xrp
A thread of the future …I will tell you a story and I will run it so that everything you need is an interest in learning what awaits us all.
Take a drink, take a snack and take a look, okay?
– Chad Steingraber (@chadstevingraber) August 18, 2022
Assets tokenized assets
According to Steingraber, the first step is stable And the digital currencies of the central bank on the large XRP book.
Whenever a new token launches it, he would need XRP to settle the transactions. This could push daily demand.
Today, only a handful of tokens are on the XRP channel, but he sees that developing in hundreds. If even 100 new parts adopt XRP colonies, demand could increase by billions of dollars each year.
It consists of three components:
1 – Assets built on the large XRP book (Stablecoins are “the utility”)
2 – XRP becomes a reserve asset to supply the utility
3 – XRP is withdrawn from public supply by institutionsIt’s like that. https://t.co/d7ysy5euuxc
– Chad Steingraber (@chadstevingraber) June 28, 2025
Banks holding XRP as gold
Based on reports, the second driver is the banks that deal with XRP as a reserve asset. Instead of simply exchanging it on public scholarships, financial companies would store XRP in private books to support their own digital currencies.
He underlines “many institutions” which have already made plans to include XRP in their reserve heap. If each of these companies has hundreds of millions of dollars in XRP, it could eliminate a large part of the offer from the open markets.
Institutional absorption of supply
Here is where mathematics become eyes. The total XRP offer is capped at 100 billion. But Steingraber says that about 20 billion tokens remain in the hands of audiences after taking into account the locks, burns and lost keys.
If large institutions lock most of this, traffic could decrease to less than 100 million. This would prepare the ground for a classic supply shock. He even predicts that prices could spend hundred to thousands of dollars within hours once companies plunge.
Regulatory and competition hedges
Despite the excitement, there are clear roadblocks. XRP is still struggle The American Commission for securities and legal exchanges. A final defeat could block offers or scare banks. At the same time, rival chains like Ethereum And Solana also welcomes tokenized assets.
These networks already see billions of daily volumes. XRP should prove that it offers something stronger or faster to win on great players.
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A long blow with big yew
This forecast is based on three large “IFs”: strong growth in token, banks stacking XRP as reservations and a real diet on public procurement.
If one of them does not materialize, the $ 20,000 brand is moving away further. However, that makes a captivating story. For the moment, XRP traders will look at the legal deposits and the activity of the big book with new eyes, wondering if this daring theory has a chance to realize.
Pixabay star image, tradingview graphic
