Wanna cross Destiny level 20? Well you can’t do it by collecting XP, there’s a different way to improve your character after that.
After you reach level 20, the XP will be collected into Motes of Light which you can craft into a high level armor by visiting the guy at the Tower. This equipment is required if you wish to complete high level raids which according to devs will take multiple attempts.
Here’s a video showing level 29 character in action.