A market cap of $30 trillion. That’s the calculation behind the boldest XRP price call making the rounds in the crypto community this week — and it’s the number that’s drawing the most fire.
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AI tool, no personal prediction
The projection comes from Vincent Van Code, a software engineer active in the XRP community, which published its findings on X. He made sure it was an AI-generated result, and not his own personal prediction.
From Code used great language model tools (LLM), including Grokby giving them multiple variables over repeated sessions to simulate how XRP might grow over the next decade.
The result: a price range of $400 to $650 or higher in 2035, with $500 as the headline figure. He urged readers to approach the figures with caution and reminded them that it was not financial advice.
The study takes into account a wide range of circumstances: US crypto regulation, the expansion of Ripple’s payment network, the integration of artificial intelligence into the financial world, neobank adoption, and XRP’s potential role as a bridge currency in cross-border transactions.
🚨XRP price could reach $500+ by 2035. This isn’t clickbait… you know me better than that.
By the way, for the thousands of you who always ask me for my price predictions, this is the closest you’ll ever get out of me (they’re not my predictions, by the way!)
I have a… pic.twitter.com/eALl5zgdfr
— Vincent Van Code (@vincent_vancode) April 22, 2026
Quantum-resistant upgrades to the XRP Ledger, expected around 2028, are also baked into the model. Van Code described Ripple’s broader strategy as a system designed to reshape the way money moves globally.
The targets from year to year show a steep climb
The model doesn’t immediately jump to $500. It charts a gradual increase, starting with a projected range of $6 to $10 in 2026, driven by early regulatory wins and growing institutional use.
By 2029, deeper liquidity and closer ties to traditional financial systems – including SWIFT – could push prices to a range of $60 to $120, according to forecasts.
In the 2030s the numbers will become dramatic. Reports indicate that the model sees
At that stage, the analysis assumes XRP handles tens of trillions of dollars in annual on-chain volumes, with institutional depth keeping volatility in check.
The community response has been mixed
Not everyone buys it. Critics have focused on the market capitalization problem. At $500 per token, XRP’s total market cap would exceed $30 trillion – a number larger than the entire US economy.
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One market participant called a $50 price target much more sensible given the assumptions outlined. Others in the XRP community see the scenario as plausible – if every assumption is correct. That’s a big if. The model requires favorable legislation such as the CLARITY Act to succeed, Ripple to continue expanding globally and AI-powered financial systems to mature at a rapid pace.
XRP was trading around $1.41 at the time Van Code published his findings, having recently touched $1.50.
Featured image from Unsplash, chart from TradingView