XRP at $20: What 1,000 XRP Would Be Worth and What It Takes

Something is happening within the XRP community. Quite frankly, I haven't seen this level of anger and frustration for a very, very long time. XRP holders are losing faith. Some are openly accusing Ripple and Brad Golin House of betraying the very community that supported XRP for years, and the accusations are serious that Ripple is using XRP holders as liquidity to finance a multi-billion dollar corporate empire. The brat is more interested in building Ripple the company than delivering value to the XRP holders and that Ripple stable coin ROUSD is taking center stage while XRP is being pushed into the background.

That's how angry it has gotten and one holder put it in writing. Fabriio Scoodoo wrote an open letter to Ripple's CEO Brad Garlinghouse and to David Schwarz. He said XRP deserves $15 to $20. So, let's run the math. XRP is $131 as I make this video.

At $20, XRP would be worth $1.27 trillion. All of Bitcoin is $1.62 trillion. If you hold $1,000 XRP, that's $1,310 today. At $20, it's $20,000. In this video, you get your 1,000 XRP at every price up to $20.

What? $20 would make XRP next to Bitcoin. What Garlinghouse said this week in his own words and three numbers that you can check every month. No hype, just the math. So, if you're feeling bullish, like this video and smash that subscribe button. We're on our way to 400,000 subscribers and we can't get there without you.

And if you're going to become the first millionaire in your family tree, confirm that by commenting 777 down below. Also, I'm giving away my 2026 altcoin trading strategies and crypto yield generation briefing to everyone who follows us on Instagram, Bullrunners HQ. Bullrunners HQ. It's for free and the official link is also down in the description below if that makes it easier for you. Let's run it.

All right, Bullrunners. Ryan Huggin here, aka at Winwith Ryan. Welcome back to the channel. We didn't just buy an asset. We chose to fight the exact same war alongside you.

He means the SEC lawsuit. Holders sat through it right next to Ripple. Here's the frustration. Put fairly, there's a deeper frustration developing within parts of the XRP community. And it's not simply about the price.

Some XRP holders genuinely believe Ripple is using XRP to build an enormously valuable business while leaving the community left behind. And you can understand why people are asking these questions. Ripple is expanding aggressively, acquiring businesses, developing financial infrastructure, and building relationships with major institutions. But here's the question. What does any of that actually do for XRP holders?

Because owning XRP doesn't mean you own Ripple. You don't receive dividends. You don't get a share of the Ripple profits. And when Ripple acquires another business, XRP holders don't automatically benefit financially. Now, that is a legitimate concern.

Ripple has historically sold XRP and its holdings have been an important financial asset for the company. So asking how Ripple finances its expansion and how that expansion benefits XRP is an entirely reasonable question. And look at what Ripple has become since.

All right. Well, let's talk about a little bit about where Ripple is right now because we've got the approval for the National Trust Bank application. We see Robin Hood integrating Ripple Treasury and bringing RLUSD to 29 million customers. BNY added XRP and RLUSD custody yesterday. It feels like a lot's happened in a short amount of time.

Um, you've also made a number of acquisitions and you're a very different company than you were certainly a few years ago and even last year. What is Ripple trying to become from where you sit in 2026 right now?

Well, look, there's no question about it. you know, over the 10 years that we've hosted this conference, it's really profound to see how much the industry has changed, but also how much Ripple has changed. I mean even as you look at some of the other uh people who are speaking with you all today the fact that you have BNY announcements and you have Terry Duffy like it is a dramatic shift from uh crypto being kind of on the outside as you point out many crypto firms are increasingly thinking about how do we build bridges between traditional finance and decentralized finance and that's where Ripple has been really from the beginning and both through our acquisitions as well as through our organic growth we've continued to build on that so we're seeing more and more people able to take advantage and access the crypto economy, whether that's using those rails for more efficient payments, for custody, and even as you described tokenization of different assets that opens up markets to new interests.

Brad, you've spent some $2 billion in the past 18 months on acquisitions. Now you have treasury, prime brokerage, compliance, automation, and payments. Is there a category you're missing? And it just makes me really think is an IPO underway or in the works rather.

You know, look, we have been a very uh happily private company for I guess 12 years now. And so we have not been in a hurry to uh try and get public. You know, that may be a chapter we we cross in the future. But for now, we've been happily private. Uh we've been able to do the acquisitions you've described here.

And it was actually last year we spent about $2.5 billion on acquisitions. Two big ones with a company called Hidden Road and a company called G Treasury. Both about a billion dollars and then some smaller ones as well. Those acquisitions have been phenomenally successful for us. They have we've been able to accelerate the growth substantially in both both of those examples and those have actually helped uh our organic growth accelerate also.

So you can see why he wrote you secured your future while leaving ours in the cold. Here's the thing though. $15 to $20 is in the letter. How he got there isn't. So, let's build the model for him. Say you hold 1,000 XRP at $1.31.

That's $1,310. At the $3.65 all-time high from July of 2025, it's $3,650. At $5, it's $5,000. At $10, it's $10,000. And at $20, it's $20,000.

That's 15x from here. And get this, $20 is the old high times five and a half. A price means nothing on its own. You multiply it by the coins out there. There are about 63.35 billion XRP in circulation per trading view.

At $131, that's about $83 billion. At $20, it's $1.27 trillion. Bitcoin is at 1.62 trillion today. Ethereum is 296 billion. Tether is 178 billion.

So, $20 XRP is 78% of Bitcoin, more than four Ethereums and about seven Tethers. If we count every XRP that exists, almost 100 billion, and $20 is about 2 trillion. So, that's bigger than Bitcoin. And Garlinghouse likes to remind people of where XRP used to rank.

People forget that before the lawsuit, XRP was the second most valuable digital asset after Bitcoin. you know, you get in this fight with the government and people lose some faith. And I think there's a lot of momentum and we want to lean into that momentum, not not just for Ripple and for the XRP ecosystem, but really for the industry overall.

It was number two for a short spell around the start of 2018, but $1.27 trillion is a different planet from where number two sat back then. So, is 15x crazy? The reality is if you bought in the summer of 2024, you were buying XRP at approximately 45 to 55. As it stands today, you've got however many X times your money.

I don't think that's a bad long-term investment. If you'd have left that in the bank, would you have got that money back since since December of 2024? No. There are other things you could have bought where you could have made more money. In early November 2024, XRP was about 50.

By July 2025, it hit $3.65. 65. That's about a 7x in 9 months. $20 from here is about two of those back to back. Not impossible, just not normal. And three things the math can't tell you.

First, market cap isn't money in. Anyone who says that it takes exactly 1.18 trillion new is guessing. Second, supply goes up. Ripple releases XRP from escrow. So, the circulating number continues to climb.

And who holds the most? Look, Ripple has always cared deeply about the XRP ecosystem. Uh we are the largest holder of XRP. So when you ask who wins at $20, Ripple's on that list, too. Third, trackers count supply a little differently.

Pick one and stick with it. Running your own bag through math like this instead of a headline is what we do inside of the Altcoin Pro Accelerator program and our SGS system. Secure, grow, scale. And if you hold XRP and you've never worked out what it has to become for your number to actually happen, well, that's the first link in the description. Click the link, set a call, get it looked at with our team this week.

Here's Bloomberg asking him your question.

But the institutional demand that you've been building for has arrived, but it's arrived for RLUSD. US dollar stable coin and not XRP. How central is XRP to Ripple anymore? Because Ripple is expanding into various other business ventures, as Scarlet highlighted earlier, it seems like XRP doesn't seem to be a big focus.

You know, anyone who doesn't think that XRP is at the heart of everything Ripple does is kind of missing the big picture from my point of view. You know, when we launched RLUSD, it was to complement what we're doing with XRP. About half of all RLUSD is on top is issued on top of the XRP ledger. that brings liquidity, that brings volume, that brings activity on the XRP ledger that anyone who participates in the XRP ecosystem can benefit from. What we found is I think about Earl USD as almost an entry point where people and treasures, CFOs, even CEOs who are interested in these technologies, a stable coin is really an entry point. And for us, we want to solve the customer's problem.

Whe whether that's a stable coin through XRP or even at times through fiat rails, we want to solve the customer problem because the more we do that, the more we have access and ability to introduce XRP to everything we're doing. But people should not lose sight of the fact that Ripple cares more about the XRP ecosystem than anyone. Notice he says about half of RLUSD is on the XRP ledger. We're coming back TO THAT.

WHAT IS IT THAT XRP can do that the stable coin RLUSD cannot? Well, a stable coin is by definition a stable coin of one token of one dollar, let's say. Now, I mean, US dollar is 90 plus% of all stable coins. If you want to be a bridge asset between lots of different things, just being US dollar dominated denominated doesn't actually solve that across different corridors. So, XRP continues to be an asset we use as a bridge asset between different currency pairs. and having one bridge asset versus going into the dollar and out of the dollar.

The historical dynamic if you were sending a wire payment from the Australian dollar to let's say the Philippine peso, you would go through the US dollar to do that. Having a neutral bridge asset that's very very very low cost and very scalable is something we think will continue to be appealing to different corridors, different currency pairs, what have you. Other times you just want to be dollar denominator. You're going dollar to US dollar. then RLUSD is very well poised to take advantage of that and again doing that on top of the XRP ledger brings liquidity and velocity to the XRP activity

and on stage that same week he went further

but you know you do read people saying oh they've given up on XRP they're you know leaning into RUSD we will never give up on XRP you know and the momentum you're seeing around XRP is profound uh RLUSD is one contributor to that uh so we don't we view them is very complimentary and when people were kind of I think saying like we don't get it people I I said then and I'll remind people we will never do something we think is bad for the XRP ecosystem that that makes no sense to me and the good news is because of XRP's efficiency as a layer 1 blockchain in terms of speed scalability uh it it is uniquely positioned to solve some very large many trillions of dollars scaled use cases then on November 3rd a different holder asked him on X. RLUSD isn't competing with XRP. It's competing with other stable coins. Use case matters and I want those use cases running on the XRPL. Notice what he didn't say.

A price. He never does. And the burn. Since 2012, fees have destroyed about 14.4 million XRP out of 100 billion. That's about 0.01%.

It's not a burn story. RLUSD is about $2.6 billion per Ripple. Cointelegraph using DeFi Llama puts nearly 1 billion of it on the XRP ledger. That's closer to 4 in 10 than half. Ripple, the company, is flying.

We exited last year at about a $300 million revenue run rate across all of our products, all of our services. We're going to exit this year around $900 million. That's not just one group contributing that growth. So, across the payments business, it has grown substantially. across the the Ripple prime business, it has grown substantially. And as I said earlier, Ripple Treasury in some ways like I I think the genius of the opportunity with Ripple Treasury is that we touch now over a thousand corporates.

You know, we announced yesterday the work we're doing with Robin Hood, including on Ripple Treasury. So the opportunity is you have that CFO dashboard and [snorts] the ability to expose whether it's Ripple Prime or Ripple's payment solutions within that is a big opportunity for us going forward and that kind of captive audience. On October 29th, the day that target was reported, XRP fell 6.6%. That was also the Binance hack day, but revenue and the coin don't have to move together. XRP ETFs have taken in $1.81 81 billion in total, 4.32 million in the week to October 30th, zero on November 3rd.

Santiment counts 2,147 wallets with 1 million XRP or more, the most this year. To reach $20, XRP's market cap has to grow by about 1.18 trillion. All the ETF money ever is 1.81 billion. That's not a formula. It just shows you the scale.

And here's how big Garlinghouse thinks the prize is

kind of my competition is not the other chains. My competition is how do we get more of traditional finance taking advantage of blockchain based settlement.

Taking advantage of these new technologies reduces friction measured by cost and time. And I I I want to see these other chains do well and be successful. It is a massive market opportunity and I think

different ecosystems will focus on different verticals and that's great and I don't view very few times do I feel like oh Ripple's in direct competition with someone. I feel like more often than not I'm rooting for the whole industry and I I think some of the more difficult periods around crypto have been when we're fighting each other.

Yes. And we really should be fighting for more grow the whole pie, not how big your piece of that pie is. And we'll continue to do that. And I think, look, the XRP ledger has been profoundly successful over a long arc of time. And and I think is well positioned to take advantage of some of those opportunities.

Options traders are pricing about an 8.7% move by November 8th, roughly $116 to $1.38. Nobody's pricing $20. So let's put it together. $20 is 1.27 trillion, 78% of Bitcoin. XRP has done a 7x. This is a 15x.

Ripple is tripling its revenue. And Garlinghouse says XRP is at the heart of it. Here's his 10-year view.

So, I I mean, look, seasonality, it's one of those, is it causal? Is it correlative? Like, you know, sometimes I think it's just like we're just looking for signs. It's astrology. I'm not a big believer.

I'm an Aquarius, but you know, anyway. Me too. that uh I I don't really believe in some of the things that people point to as narratives around crypto and I kind of step back and I look at that big picture. The the percentage of institutions who are have leaned in and have any crypto exposure remains incredibly small. Those institutions that do have some exposure have a very very small exposure. I if you ask me 10 years from now will that continue to be the case in a world where inflation continues to grow, deficit spending continues to grow and again the US is healthier than many others.

It's hard not to believe 10 years from now that this is going to be a pretty profoundly uh more valuable industry in my opinion. That is not financial advice.

You don't have to guess. Track three numbers once a month. how much RLUSD sits on the XRP ledger, XRP ETF inflows, and wallets holding 1 million XRP or more. If those three climb, the $20 case gets stronger. If they stall, $20 stays a wish. Tell me in the comments, do you think XRP ever hits $20?

Just a yes or a no. And crypto carries risk and past performance doesn't guarantee future results. This video is education, not financial advice. If you made it this far, you're not here for the hype. Drop 777 blessed and bullish in the comments so that way I know you're still with me.

In 1901, JP Morgan put $150,000 into Nicola Tesla's tower at Warden Cliff. That was on Long Island. Tesla wanted to send messages and power through the air. The idea was real. We use a lot of it every day.

Morgan stopped funding it in 1917. The tower was torn down. The technology being real was never the question. The question is who captures the value? Scoo is asking whether that value flows to the company or to the coin.

Those three numbers will tell you. Running the math on your own bag is what we do for you and our clients at SGS Systems inside of Altcoin Pro. It's for people holding $50,000 or more who've never had anybody walk them through it all with them. And if you're not there yet, keep watching these videos. These are free and we're not going to stop making them.

If your spouse has a say in where the money goes, bring them onto that call with you. It's the first link in the description to get you started right now. Book your free strategy call and you know what to do. Stay bullish. I'll see you at the top.