A recent analysis by Vincent Van Code (@vincent_vancode), 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. XRP Price Prediction: $59.40 — Here’s the Math With Ripple targeting 15% of SWIFT’s $5T daily volume, RLUSD gaining traction, and institutions like Mastercard building on XRPL, what could XRP be worth? Let’s break it down — 1. 15% of SWIFT = $750B/day in ODL SWIFT… — Vincent Van Code (@vincent_vancode) July 19, 2025 Calculating the Base Utility Price of XRP The model factors in XRP’s total supply, with adjustments for locked and lost coins. Out of 100 billion XRP, approximately 40 billion tokens remain 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 an estimated 13 billion XRP as liquid and usable for daily transactions. 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. Factoring in Real-World Multipliers 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. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Timeline for Implementation and Adoption 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. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Software Dev Projects $59 XRP Price Based on Ripple’s SWIFT Target appeared first on Times Tabloid .
