Software Engineer Shares Why XRP Price Could Hit $500+ by 2035, Cites LLM Study

A software engineer in the $XRP community has outlined a scenario in which $XRP could climb above $500 by 2035 under highly optimistic assumptions.

The analysis comes as the crypto market gradually turns bullish again, with projections suggesting a new all-time high in 2026. Notably, $XRP is trading at $1.41 at press time, after briefly touching $1.50 days ago.

Key Points

• Software engineer says $XRP could reach $500+ by 2035 under optimistic LLM-based scenario assumptions.
• Study uses AI models to project $XRP growth from regulation, adoption, and global payment infrastructure expansion.
• Model forecasts gradual rise: $6–$10 in 2026, up to $400–$650+ by 2035 with institutional integration.
• Community split: some see potential, others cite $30T market cap barrier and call projections unrealistic.

AI Model Pointing to Long-Term Upside

In a post on X, developer Vincent Van Code explained that the triple-digit $XRP price projection is not a personal call. Instead, it was the outcome of a deep large language model (LLM) study.

According to him, the analysis emerged from iterative inputs and multiple variables, with tools like Grok helping simulate long-term ecosystem growth.

The model incorporates a wide range of factors, including regulatory developments, infrastructure expansion, and adoption trends across fintech and global payments.

Van Code stressed that the projections assume “things go to plan,” rather than guaranteed outcomes.

Key Assumptions Behind the $500 $XRP Scenario

The study highlights several major drivers that could support $XRP’s rise over the next decade. These include favorable U.S. crypto regulation, particularly the passage of the CLARITY Act, as well as Ripple’s continued expansion in global payments and liquidity solutions.

Other assumptions include:

• Successful rollout of quantum-resistant upgrades to the $XRP Ledger by around 2028
• Growth in AI-based financial systems and micropayments
• Increasing adoption by neobanks and non-bank DeFi platforms
• Rising use of $XRP as a neutral bridge asset in cross-border transactions

Van Code also said the analysis reinforced his view of Ripple’s long-term plan as a complex system aimed at reshaping global financial infrastructure.

Gradual Growth Modeled Over a Decade

Meanwhile, the study lays out a step-by-step growth trajectory for $XRP. It starts with a projected range of $6 to $10 in 2026, supported by early regulatory clarity and institutional usage.

By the late 2020s, the model suggests $XRP could benefit from deeper liquidity pools, automated market maker (AMM) expansion, and increasing integration with traditional systems like SWIFT. This phase could push prices toward $60 to $120 by 2029.

Entering the 2030s, the projection assumes $XRP becomes part of global financial workflows, particularly in treasury operations, tokenized assets, and central bank digital currency (CBDC) interoperability.
Under these conditions, the price range could expand from $100–$200 in 2030 to as high as $400–$650+ by 2035.

At that stage, the analysis sees $XRP as a core liquidity layer handling tens of trillions of dollars in annual on-chain volume, with reduced volatility due to deeper institutional participation.

Community Reaction Remains Mixed

The projection has drawn both interest and skepticism. Some market participants see the $500 range as plausible within the outlined framework. Meanwhile, critics point to market cap barriers in the outlook. For instance, a $500 price implies a market cap of over $30 trillion for $XRP.

Meanwhile, veteran investor Pumpius described the $50 scenario as “more sensible” when considering the provided assumptions.

Van Code, however, was careful to distance himself from making definitive claims. He urged market participants to take the analysis cautiously and reiterated that it is not financial advice. Moreover, he asked readers to do their own research and avoid high-risk trading strategies.