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

Farina divided this insight in a video posted to X on Friday. He first addressed the ongoing speculation about XRP’s price potential. He dismissed XRP price predictions based on technical analysis (TA), arguing that such analysis is baseless.

Farina stressed that XRP’s price movements would be influenced by its utility and adoption rather than arbitrary lines on a chart. According to him, it is not impossible for XRP to reach a new all-time high and possibly surpass its previous peak of $3.84 as utility and institutional adoption increase.

Why 20,000 XRP is important

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

Farina stressed that even with this modest price target, investors would be moving into the top wealth class, outperforming most of the world’s population, especially given the current economic climate in which many people have neither significant savings nor investments.

Specifically, at today’s XRP trading price of $0.599, purchasing a portfolio of 20,000 XRP will cost approximately $11,980.

The game changer for XRP

Furthermore, Farina pointed out that XRP’s potential to reach a new all-time high depends 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 process transactions quickly – within three seconds. This makes it extremely attractive to financial institutions looking to streamline their operations and reduce reliance on nostro and vostro accounts.

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

“But there is less XRP in circulation, which could drive prices up if demand increases,” he explained.

Overall, says Farina, several factors would have to come together for XRP to reach a new all-time high. This includes broader acceptance by financial institutions and central banks. Ripple’s strategy of positioning XRP as a replacement for traditional nostro and vostro accounts could also trigger significant demand.

Farina said that capturing even a small percentage of SWIFT transactions could drive the price of XRP significantly higher, possibly above $100.

Although Edo Farina admits that it is difficult to predict exact price movements, he remains convinced of XRP’s potential. He advises investors to focus on XRP’s fundamentals and use case rather than speculative TA, which Farina largely describes as “clickbait.”