Software Engineer Says XRP Price Could Hit $500 By 2035. Here's why

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Software engineer Vincent Van Code has published a detailed post on X presenting a long-term analytical outlook for XRP, supported by an extensive artificial intelligence-driven study. He states that the projection, which suggests XRP could exceed $500 by 2035, is not intended as a personal prediction but rather the output of a structured modeling process.

According to the software engineer, the analysis relies heavily on large language models’ simulation, with Grok serving as the primary tool.

The study incorporates multiple variables, including regulatory developments, institutional adoption, and technological advancements within the XRP ecosystem. Van Code explains that the process was iterative and designed to evaluate how different factors interact over time rather than to produce a fixed forecast.

He emphasizes that the projections depend on several conditions progressing as expected. These include the passage of the CLARITY Act, continued favorable digital asset policies in the United States, and the successful implementation of quantum-resistant upgrades on the XRP Ledger, which he estimates could occur around 2028.

The model also integrates broader financial and technological trends such as the growth of artificial intelligence, the expansion of micropayments, and the increasing role of neobanks and decentralized finance platforms.

Projected Growth Path and Market Drivers

The accompanying chart outlines a gradual price trajectory beginning with an estimated range of $6 to $10 in 2026 and extending to a potential midpoint near $500 by 2035. Alongside price estimates, the model includes projected on-chain bridged volume, which rises significantly over the same period, reflecting anticipated increases in liquidity and transactional use.

Van Code notes that early growth is tied to regulatory clarity and the adoption of initial treasury, as mid-term expansion depends on institutional participation and the scaling of liquidity corridors. The analysis further suggests that network effects, automated market maker depth, and hybrid integrations with existing financial systems could support higher transaction efficiency and demand.

In later years, the model assumes XRP evolves into a widely used neutral bridge asset within global financial workflows. It attributes sustained valuation growth to increasing utility, deeper liquidity pools, and the accumulation of XRP for operational purposes rather than speculative activity.

By the early 2030s, the study anticipates that tokenized assets and central bank digital currency interoperability could contribute to faster transaction velocity and broader adoption.

Caution and Interpretation

Despite presenting detailed projections, Van Code emphasizes that the analysis is conditional and not a guarantee of future outcomes. He maintains a neutral stance on whether these scenarios will materialize and encourages readers to treat the information cautiously. He explicitly advises against using the projections for leveraged trading and stresses the importance of independent research.

He concludes that, from an engineering perspective, the model’s outputs appear logically consistent given the assumptions, but he refrains from endorsing them as definitive expectations.

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