A new claim from software engineer and AI startup founder Vincent Van Code has stirred fresh debate in the XRP community. He believes that by 2030, native XRP will no longer be sold directly to retail traders. Instead, he expects the token to shift toward wholesale use, controlled mostly by major financial institutions.
⭐ What’s Behind This Prediction?
Van Code shared his view after Bitwise announced its spot XRP ETF, which begins trading under the ticker “XRP.” While many joked this could confuse new investors, he suggested the ticker choice reflects a bigger shift: transforming XRP into an institutional settlement asset.
📌 Key Points
🔷 XRP supply: 65.2B in circulation, less than 35B left to be released.
🔥 Over 14 million XRP already burned.
🏦 Van Code expects banks, funds, and digital-asset treasuries to absorb most of the remaining supply.
📈 Retail investors would access XRP only through ETFs and similar products.
⏳ Timeline for this shift: By 2030, about five years from now.
🚀 What Could This Mean for Price?
If institutions lock up a large share of XRP, supply shocks could lead to major price surges. Earlier models suggested a path to $41–$83, and a wholesale-only future could push those projections even higher.
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