Software Engineer Predicts Shift in XRP Distribution by 2030

Vincent Van Code, a software engineer and founder of several AI-focused startups, has predicted a significant transformation in the accessibility and use of XRP before the end of this decade. He argues that retail markets will likely no longer offer direct access to native XRP, instead focusing on channels like exchange-traded funds (ETFs), market maker holdings, or custodial services provided by major financial institutions. This shift is fueled by the increasing prominence of institutional investors and their demand for XRP’s capabilities in international settlements.