Expert Explains How Holding 20,000 XRP Could Be Life-Changing if XRP Reaches a New All-Time High

Edo Farina, CEO of Alpha Lions Academy, recently discussed how holding 20,000 XRP could be a life-changing decision for investors when the asset reaches a new all-time high.

Farina shared this insight in a video posted on X on Friday. He first addressed the ongoing speculation around XRP’s price potential. He dismissed XRP price predictions based on technical analysis (TA), arguing such analyses are baseless.

Farina emphasized that XRP’s price movements would be more influenced by its utility and adoption than arbitrary lines on a chart. According to him, XRP reaching a new all-time high, potentially surpassing its previous peak of $3.84, is not out of reach if utility and institutional adoption increase.

Why 20,000 XRP Matters

Farina provided a detailed analysis of what holding 20,000 XRP could mean for investors. Using a conservative estimate of $5 per XRP, he explained that this would equate to a total investment of $100,000. 

Farina highlighted that even this modest price target would put investors in the top tier of wealth, outperforming most of the global population, particularly given the current economic climate where many people do not have significant savings or investments.

The Game Changer for XRP

Also, Farina noted that XRP’s potential to make a new all-time high relies heavily on its use case as a bridge currency for cross-border payments. 

He explained that the real value of XRP lies in its ability to settle transactions quickly—within three seconds. This makes it highly attractive for financial institutions looking to streamline operations and reduce reliance on nostro and vostro accounts.

However, Farina also pointed out a potential drawback: because transactions are settled so quickly, institutions may not need to hold large amounts of XRP for extended periods, which could limit long-term price appreciation.

“But there’s less XRP circulating, which could push prices higher if demand increases,” he explained.

Overall, Farina expressed that for XRP to reach a new all-time high, several factors must align. They include broader adoption by financial institutions and central banks. Also, Ripple’s strategy to position XRP as a replacement for traditional nostro and vostro accounts could drive substantial demand.

Farina suggested that even capturing a small percentage of SWIFT transactions could propel XRP’s price significantly higher, potentially beyond $100.

While Edo Farina acknowledges that predicting exact price movements is challenging, he remains confident in XRP’s potential. He advised investors to focus on XRP’s fundamentals and use case rather than speculative TA, which Farina describes as largely “clickbait.”