Vincent Van Code (빈센트 반 코드), a software engineer in the XRP community, presented a long-term scenario in which the XRP price could exceed $500 in 2035.

On April 23, blockchain outlet The Crypto Basic reported that the outlook was not a personal opinion but the result of optimistic assumptions based on large language model (LLM) analysis.

In a post on X, Van Code said the triple-digit XRP outlook was not a definitive forecast but a simulation result reflecting multiple variables and repeated inputs. Tools such as Grok were used in the analysis. Variables included regulatory changes, infrastructure expansion and adoption trends in fintech and global payments.

Key assumptions included U.S. crypto regulatory reforms, particularly passage of the Clarity Act, and an expansion of Ripple's global payments and liquidity business. Van Code said the analysis reinforced his view of Ripple's long-term strategy as a complex system aimed at reshaping global financial infrastructure.

He also laid out a step-by-step price path. XRP could rise to $6 to $10 in 2026 on regulatory clarity and increased institutional use. It could climb to $60 to $120 in 2029 on assumptions including expanded liquidity pools, growth in automated market makers and integration with existing systems such as SWIFT.

For the 2030s, the scenario assumed XRP would be incorporated into global financial operations such as treasury operations, tokenised assets and central bank digital currency interoperability. That led to projections of $100 to $200 in 2030 and $400 to more than $650 in 2035. At that stage, XRP was expected to become a core liquidity layer processing tens of trillions of dollars in annual on-chain transactions, and volatility could fall as institutional participation increases.

Market reaction was mixed. Some said prices in the $500 range were possible under the proposed conditions, but critics pointed to market-cap constraints. If XRP reaches $500, its market value would exceed $30 trillion. Investor Pompious said that even under the same assumptions, a $50 scenario was more reasonable.