As XRP continues to capture the attention of crypto investors, a compelling question arises: how many new millionaires could be created if XRP’s price surges to $20? Several market analysts and community experts have recently projected that XRP has the potential to reach this milestone, sparking excitement among holders and prospective investors alike.
Analysts Eyeing a $20 XRP Price
Despite some skepticism, notable voices in the crypto space foresee XRP climbing to $20 in the coming years. For instance, Davinci Jeremie, an early Bitcoin adopter and vocal XRP critic, acknowledged in March 2025 that XRP could surpass $20, despite his reservations about the token. Similarly, XRP Shark, a market analyst, has maintained since mid-2024 that XRP remains on track for this price target. CryptoBull, a market technician, also suggested that reclaiming XRP’s 2017 peak against Bitcoin could propel the price to $20. Community pundit Edoardo Farina went further, stating that reaching $20 would mark just the beginning of XRP’s upward trajectory.
What Does $20 Mean for XRP Holders?
To become a millionaire at a $20 XRP price, an investor needs to hold at least 50,000 XRP tokens. At the current price of approximately $2.18, such a holding is worth around $109,000, but those who acquired XRP in November 2024 could have done so for as little as $25,000, representing a significant discount and potential for growth.
How Many Could Join the Millionaire Club?
Data from the XRP rich list, a community-driven ledger of large XRP wallets, shows there are 71,337 wallets holding at least 50,000 XRP. However, some of these wallets are already millionaires at today’s prices. The number of wallets that could become new millionaires if XRP hits $20 is estimated to be fewer than 39,320.
Breaking it down further:
• 27,119 wallets hold between 50,000 and 75,000 XRP, which would translate to $1 million to $1.5 million at $20.
• 11,019 wallets hold between 75,000 and 100,000 XRP, equating to $1.5 million to $2 million.
• 28,301 wallets hold between 100,000 and 500,000 XRP, potentially worth $2 million to $10 million.
The Road to $20: Challenges and Timelines
Reaching $20 from the current $2.18 price requires an increase of approximately 817%. While ambitious, some analysts believe this is achievable by 2028. Crypto platform Telegaon, for example, projects this milestone within three years, assuming favorable market conditions and continued adoption.
Conclusion
While the journey to $20 per XRP token is steep and uncertain, the potential for creating tens of thousands of new millionaires is a powerful motivator for investors. As XRP continues to develop its ecosystem and navigate regulatory landscapes, the possibility of such a price surge remains a topic of keen interest in the crypto community.
