🚀 Crypto Shockwave: XRP Could Skyrocket to $20,000, Claims Top Developer

Hold onto your wallets—this one's a doozy. A prominent developer just dropped a bombshell prediction that could send shockwaves through the crypto markets: XRP might not just moon, it could galactic conquer with a $20,000 price target.

### The Bull Case That’ll Make Your Portfolio Sweat

Forget ‘slow and steady’—this forecast is pure nitro for the XRP army. While skeptics scoff (and let’s be honest, Wall Street’s probably rolling its eyes between martini sips), the developer’s logic hinges on a perfect storm of adoption, utility, and maybe a dash of hopium.

### The Fine Print: Greed vs. Reality

Sure, $20K sounds like retire-in-Monaco money. But remember: crypto’s the land where ‘to the moon!’ often meets ‘crash landing.’ Whether this prediction ages like fine wine or sour milk depends on regulators playing nice and XRP actually *doing* something besides trending on Twitter.

### Closing Thought: A Hedge Fund Manager’s Nightmare

If this plays out? Banks will be scrambling to explain why they called it a ‘shitcoin’ at $0.50. Until then—strap in, stay skeptical, and maybe keep some dry powder for the inevitable dips.

I’m going to tell you a story and I’ll spin it so that all you need is an interest to learn what’s in store for all of us.

Grab a drink, grab a snack and let’s take a ride, shall we?

— Chad Steingraber (@ChadSteingraber) August 18, 2022

Rise Of Tokenized Assets

According to Steingraber, the first step involves issuing stablecoins and central bank digital currencies on the XRP Ledger.

Every time a new token launches there, it WOULD need XRP to settle transactions. That could push up daily demand.

Today, only a handful of tokens sit on the XRP chain, but he sees that growing into the hundreds. If even 100 new coins adopt XRP settlements, demand could climb by billions of dollars each year.

It consists of three components:

1 – Assets built on the XRP Ledger (Stablecoins are the “utility”) 2 – XRP becomes a reserve asset to power the utility 3 – XRP is removed from public supply by institutions

This is how IT WILL.https://t.co/d7ysY5euXc

— Chad Steingraber (@ChadSteingraber) June 28, 2025

Banks Holding XRP As Gold

Based on reports, the second driver is banks treating XRP like a reserve asset. Instead of just trading it on public exchanges, financial firms would stash XRP in private ledgers to back their own digital currencies.

He points to “many institutions” that have already floated plans to include XRP in their reserve piles. If each of those firms holds hundreds of millions of dollars in XRP, it could remove a large chunk of supply from open markets.

Here’s where the math gets eye‑popping. XRP’s total supply is capped at 100 billion. But Steingraber says roughly 20 billion tokens remain in public hands after accounting for locks, burns, and lost keys.

If big institutions lock away most of that, circulation could shrink to under 100 million. That would set the stage for a classic supply shock. He even predicts prices could surge from cents to thousands of dollars within hours once companies dive in.

Despite the excitement, there are clear roadblocks. XRP is still fighting the US Securities and Exchange Commission in court. A final loss could stall deals or scare off banks. At the same time, rival chains like ethereum and Solana also host tokenized assets.

Those networks already see billions in daily volume. XRP would need to prove it offers something stronger or faster to win over big players.

This forecast hinges on three big “ifs”: strong tokenization growth, banks stacking XRP as reserves, and a real supply squeeze on public markets.

If any one of those doesn’t materialize, the $20,000 mark drifts further away. Still, it makes for a gripping story. For now, XRP traders will watch legal filings and ledger activity with fresh eyes, wondering if this bold theory has any chance of coming true.

Featured image from Pixabay, chart from TradingView