XRP News Today: XRP Price Could Reach $59.40 by 2027 on Ripple’s SWIFT Push

A recent analysis by Vincent Van Code, a respected software engineer and prominent voice in the XRP community, has outlined a detailed path to a potential XRP price of $59.40. The forecast hinges on Ripple’s push to capture a significant share of SWIFT’s daily volume, the impact of RLUSD, and growing institutional interest in the XRP Ledger (XRPL).

Van Code points to Ripple’s stated goal of processing around 15% of SWIFT’s daily transactions, which amount to roughly $5 trillion. Achieving this would mean settling $750 billion per day using XRP’s On-Demand Liquidity (ODL). “This is the foundation of the model,” he noted in his post.

To assess XRP’s base utility price, Van Code assumed each XRP could be reused twice per day, a conservative velocity figure considering compliance and transaction settlement delays. Dividing the projected ODL volume by the available XRP and its velocity leads to a base price of $28.85.

Beyond utility value, the analysis accounts for additional market forces that could drive the price higher. These include RLUSD adoption deepening liquidity by 10%, other stablecoins like USDC on the XRPL adding 20%, and institutional use cases such as Mastercard contributing 30%. He also anticipates a further 20% boost from legal clarity following Ripple’s resolution with the SEC. When combined, these multipliers raise the projected price to $59.40.

The target timeframe for this valuation is 2026 and 2027. Van Code emphasizes that institutional adoption and the scaling of international payments corridors will require time. He explained that “RLUSD and tokenized FX ecosystems must mature,” and “global regulatory convergence remains a critical step.” These developments, he argues, are necessary for XRP to realize its full utility in cross-border settlements and beyond.

This projection presents a bold yet methodical case for XRP’s potential growth. By grounding the price target in transactional utility and layering in likely adoption factors, Van Code provides a scenario that is both ambitious and rooted in current trends, offering investors a detailed glimpse into how XRP could evolve into a multi-trillion-dollar bridge asset.