Software engineer Vincent Van Code has sparked a new debate in the XRP community with a bold claim about the asset’s availability by 2030.
In a recent tweet, Van Code argues that native XRP may eventually disappear from open public access. In his words, XRP holders “don’t know what you hold,” a statement that urges enthusiasts to hold on to their stashes and never make the mistake of selling.
XRP to Function as a Wholesale-Only Asset
Meanwhile, Van Code’s view emerged after Bitwise revealed that its new spot fund will launch under the ticker XRP, the same symbol used by the native asset on the XRP Ledger. While community member Krippenreiter joked that commentators would now have to clarify whether “XRP” refers to the token or the ETF, Van Code took the conversation in another direction.
He suggested that the shared ticker is part of a broader shift to position XRP as a wholesale settlement asset. According to him, native XRP is ultimately designed for large-scale financial infrastructure, which includes wholesale transfers, custody, and institutional settlement rails.
Under this setup, general users would only be able to access XRP through ETF products or other indirect forms of exposure, not by buying the asset outright.
“That’s the point. Native XRP will become the wholesale token, and majority of retail will simply trade the ETF,” Van Code stated.
A 2030 Deadline for Institutional Control
Notably, Van Code believes this transition will come sooner than many expect. He pointed to a 15-year timeline that will end in 2030 for complete institutional absorption. Following its completion, major banks, fund managers, and crypto treasury firms would have gradually built positions until direct access becomes limited to large players and a fraction of long-term retail holders.
The idea aligns with a broader narrative in the community: that institutions may require XRP to facilitate the staggering $250 trillion global settlement industry. Under that scenario, heavy institutional demand combined with reduced circulating supply becomes a core pillar behind the tall long-term price expectations for XRP.
Nonetheless, rival communities continue to question how XRP would achieve this feat. An analyst claimed that XRP has no utility, citing instances like the Western Union snub for Solana and other similar scenarios. However, enthusiasts have since responded, defending the token’s potential in the digital financial system.
Evans Kelvin
Brenda Kanana
