XRP News Today: XRP Price Could Reach $59.40 by 2027 Says Van Code

Vincent Van Code, a respected software engineer and prominent voice in the XRP community, has recently presented a detailed analysis outlining a potential path for the XRP price to reach $59.40. This forecast is grounded in Ripple’s strategic goal of capturing a significant portion of SWIFT’s daily transaction volume, the impact of RLUSD, and the increasing institutional interest in the XRP Ledger (XRPL).

Van Code’s model is built on Ripple’s ambition to process approximately 15% of SWIFT’s daily transactions, which equate to around $5 trillion. Achieving this target would involve settling $750 billion per day using XRP’s On-Demand Liquidity (ODL). This forms the cornerstone of the model, as Van Code highlighted in his analysis.

To determine the base utility price of XRP, the model considers the total supply of XRP, with adjustments for locked and lost coins. Out of the 100 billion XRP, approximately 40 billion tokens are held in escrow, while an estimated 5 to 8 billion tokens may be permanently lost. Long-term holdings and DeFi commitments account for another 20 to 25 billion tokens, leaving around 13 billion XRP as liquid and usable for daily transactions.

Van Code conservatively estimated that each XRP could be reused twice per day, factoring in compliance and transaction settlement delays. By dividing the projected ODL volume by the available XRP and its velocity, the base price of XRP is calculated to be $28.85.

Beyond the utility value, the analysis incorporates additional market forces that could drive the price higher. These include a 10% increase in liquidity from RLUSD adoption, a 20% contribution from other stablecoins like USDC on the XRPL, and a 30% boost from institutional use cases such as Mastercard. Additionally, Van Code anticipates a further 20% increase 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 set for 2026 and 2027. Van Code underscores that institutional adoption and the scaling of international payments corridors will require time. He explained that the maturation of RLUSD and tokenized FX ecosystems, along with global regulatory convergence, are critical steps necessary for XRP to realize its full utility in cross-border settlements and beyond.

This projection offers a bold yet methodical case for XRP’s potential growth. By anchoring the price target in transactional utility and incorporating likely adoption factors, Van Code provides a scenario that is both ambitious and grounded in current trends. This analysis offers investors a detailed glimpse into how XRP could evolve into a multi-trillion-dollar bridge asset, highlighting the potential for significant growth in the coming years.