Analyst Highlights XRP’s Path to $20,000 Price

Ripple has outlined a new direction for the XRP Ledger (XRPL), placing privacy, efficiency, and institutional readiness at the center of its ￰1￱ announcement has revived one of the most ambitious XRP price forecasts in the community, a long-term projection of $20,000 per ￰2￱ discussion began after RippleX Senior Director of Engineering, ￰3￱ Akinyele, shared updates on his team’s work in a recent Ripple Insights ￰4￱ revealed that Ripple is developing tools designed to support private yet regulatory-compliant ￰5￱ the next year, the company plans to implement zero-knowledge proofs, which would allow financial institutions to process sensitive data more securely while maintaining performance and scalability.

Steingraber’s Bold Valuation Model The renewed focus on privacy has drawn attention back to a valuation model introduced in 2022 by game developer and XRP community analyst Chad ￰6￱ his analysis, Steingraber described a framework that could theoretically drive XRP toward a $20,000 price point, relying on three key dynamics: demand, market perception, and ￰7￱ is where it gets interesting… XRP ￰0￱ ￰8￱ — Chad Steingraber (@ChadSteingraber) October 2, 2025 First, he highlighted demand as the central force behind value ￰9￱ his view, assets that lack meaningful demand are undervalued, while surging demand can result in rapid price appreciation. Second, he pointed to how shifts in market perception can elevate valuations without necessarily requiring new inflows of capital, a dynamic he said applies broadly across financial markets.

Finally, he emphasized scarcity, noting that XRP has a capped supply of under 100 billion tokens and is subject to gradual deflation, as a small amount is destroyed with every ￰10￱ argued that traditional market capitalization figures do not always reflect true investment in an ￰11￱ the time of his model, XRP’s reported market capitalization was around $18 billion, but he maintained that this overstated real exposure due to thin trading volumes and retail-driven ￰12￱ asserted that circulating supply and available liquidity, rather than theoretical market cap numbers, ultimately determine ￰13￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Why Privacy Matters for Institutions Building on this framework, Steingraber predicted that major banks and payment providers would not rely on public exchanges or standard liquidity tools.

Instead, he suggested they would adopt private ledgers while holding XRP as a reserve ￰14￱ to his model, banks could issue internal digital instruments backed by XRP reserves, using them for customer balances and interbank ￰15￱ further projected that liquidity providers would play a key role by accumulating large pools of XRP to facilitate settlement between ￰16￱ this scenario, competition among major financial players to secure XRP would significantly reduce available supply on public ￰17￱ also pointed to the permanent loss of some XRP, including tokens locked in inaccessible accounts, as a factor that compounds ￰18￱ estimated that only about 20 billion tokens are available on exchanges, meaning institutional accumulation could quickly drain order books and accelerate price ￰19￱ Ripple’s Strategy to Price Theories Ripple’s current focus on integrating zero-knowledge proofs aligns with the type of privacy and compliance features that Steingraber’s model assumes institutions will ￰20￱ proponents of his $20,000 projection, the company’s technology roadmap offers support for the idea that banks and large-scale payment systems may adopt XRPL for ￰21￱ most analysts view a $20,000 valuation as highly speculative, the intersection of Ripple’s privacy initiatives with Steingraber’s institutional demand thesis has kept the debate alive within the XRP ￰22￱ minimum, the company’s efforts to expand privacy and scalability are seen as essential steps in preparing the ledger for broader enterprise ￰23￱ : This content is meant to inform and should not be considered financial ￰24￱ views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s ￰25￱ are urged to do in-depth research before making any investment ￰26￱ action taken by the reader is strictly at their own ￰27￱ Tabloid is not responsible for any financial ￰28￱ us on Twitter , Facebook , Telegram , and Google News