Bold Prediction from Vincent Van Code: Will XRP Become a Global Trading Pillar?

Vincent Van Code (@vincent_vancode), a respected software engineer and a prominent voice in the XRP community, has outlined a detailed path leading to a potential XRP price of $59.40. This forecast depends on Ripple's efforts to capture a significant portion of SWIFT's daily transaction volume, the impact of RLUSD, and the growing interest of institutions in the XRP Ledger (XRPL). The code indicates that the goal Ripple has set is to handle about 15% of SWIFT's daily transactions, equivalent to approximately $5 trillion. To achieve this goal means processing $750 billion each day via On-Demand Liquidity (ODL) of XRP. "This is the foundation of the model," he noted in his post.

Calculate Basic Utility Price of XRP This model takes into account the total supply of XRP, with adjustments for locked and lost coins. Of the 100 billion XRP, approximately 40 billion tokens are still under escrow, while an estimated 5 to 8 billion tokens may be permanently lost. Long-term holdings and DeFi commitments account for about 20 to 25 billion other tokens, leaving an estimated 13 billion XRP that are liquid and can be used for daily transactions. To assess the basic utility price of XRP, Van Code assumes that each XRP can be reused twice a day, a cautious velocity figure considering compliance and transaction payment delays. Dividing the projected ODL volume by the available XRP supply and its velocity, we arrive at a basic price of $28.85. Analyzing the Multipliers in the Real World In addition to utility value, the analysis also takes into account supplementary market factors that may drive the price higher. These factors include the adoption of RLUSD increasing liquidity by 10%, other stablecoins like USDC on XRPL increasing by 20%, and use cases from organizations like Mastercard contributing 30%. He also predicts that the price of Ripple will increase by 20% due to legal transparency after reaching an agreement with the SEC. When combined, these multipliers will raise the expected price to $59.40. Timeline of Implementation and Application The target timeframe for this valuation is 2026 and 2027. Van Code emphasizes that the adoption of institutions and the scaling of international payment corridors will take time. He explains that "RLUSD and tokenized foreign exchange ecosystems must mature" and "the convergence of global regulations remains an important step." He argues that these developments are necessary for XRP to realize its full utility in cross-border payments and beyond. This forecast presents a bold yet methodical argument about the growth potential of XRP. By setting price targets based on transaction utility and analyzing applicable factors, Van Code offers a scenario that is both ambitious and aligned with current trends, providing investors with an in-depth perspective on how XRP could evolve into a multi-trillion-dollar bridge asset.