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XRP, the native token of the Ripple network, could be on the verge of a historic rally according to a bold prediction by developer Vincent Van Code. In a recent analysis shared on social platform X, Van Code outlined a scenario in which XRP could rise to $59.40. His prediction is rooted in Ripple’s growing influence in the global financial ecosystem, especially its potential to handle a portion of SWIFT’s vast daily transaction volume. Van Code’s argument relies heavily on calculations based on supply and demand dynamics, institutional adoption, and the rise of Ripple-related stablecoins like RLUSD.
At the core of this forecast is Ripple’s aim to capture 15% of SWIFT’s $5 trillion daily volume. If successful, this would translate to $750 billion in daily transactions settled using XRP. Such a scale would drastically boost demand for the token. Van Code breaks this down by analyzing XRP’s liquid supply, noting that although the total supply is 100 billion, only 13 billion XRP are considered available for active use. This figure factors in locked tokens, lost coins, and those held long-term or locked in decentralized finance (DeFi) protocols and automated market makers (AMMs).
According to Van Code, the limited liquid supply of XRP could create a scarcity effect as Ripple’s operations expand. The anticipated surge in demand, combined with a finite usable supply, forms the basis for a significant increase in price. He also introduces the concept of ‘XRP Velocity’—the rate at which XRP tokens are reused within the system. By his estimate, each XRP is used in two transactions per day due to limitations such as compliance regulations, exchange lags, and corridor inefficiencies. When this velocity is factored into the model alongside the liquid supply, Van Code estimates a conservative base price of $28.85 for XRP under future demand conditions.
However, Van Code doesn’t stop there. He predicts that a series of real-world developments will act as multipliers, pushing the price from the base level of $28.85 to the ultimate target of $59.40. The first multiplier involves the growth of RLUSD, Ripple’s USD-backed stablecoin. He believes that when the RLUSD supply hits $200 billion, XRP will see a 10% price boost due to deeper liquidity in the ecosystem. This will be further strengthened if other stablecoins also gain traction on the XRP Ledger, potentially adding another 20% increase to the token’s value.
Institutional adoption represents the next key trigger. As more institutions begin to build on the XRP Ledger—such as Mastercard, which Van Code specifically mentions—he forecasts a 30% gain for XRP. Institutional involvement is expected to bring increased volume, trust, and legitimacy to the XRP ecosystem, thereby elevating its valuation. Furthermore, the ongoing legal battle between Ripple and the U.S. Securities and Exchange Commission (SEC) continues to be a significant factor in XRP’s trajectory. Van Code anticipates that once full legal clarity is achieved, a further 20% price increase could occur as regulatory uncertainty fades.
When combined, these incremental gains build upon the $28.85 base price, leading to a projected high of $59.40. Van Code suggests that this rally may materialize between 2026 and 2027, giving time for Ripple’s infrastructure to scale and for the financial world to adjust to its growing role. While this forecast is highly optimistic and contingent upon multiple factors aligning, it underscores the long-term vision some developers and analysts have for XRP’s role in global finance.
It’s important to note that while such predictions can be encouraging for investors and XRP holders, they also come with significant risk. The crypto market is known for its volatility, and various unforeseen regulatory, technical, or economic challenges could affect XRP’s performance. Nonetheless, the detailed analysis provided by Van Code offers a glimpse into how Ripple’s strategic goals, combined with favorable market conditions, could set the stage for one of the most dramatic price movements in XRP’s history.
In summary, the road to $59.40 for XRP may seem ambitious, but with Ripple aiming to disrupt traditional financial systems and carve out a significant share of SWIFT’s volume, it’s not entirely out of reach. If the projections around XRP supply, transaction velocity, and institutional momentum hold true, XRP may be on track for a transformative rally in the coming years.
