Crypto commentator Vincent Van Code sparked fresh excitement across the XRP community after responding to an interview clip featuring Ripple CEO Brad Garlinghouse. In his post on X, Van Code linked Ripple's expanding treasury ambitions with a potential XRP valuation of $80 within the next five years.
Garlinghouse's Treasury On-Chain Roadmap
ChartNerd recently shared part of Garlinghouse's interview from the Consensus 2026 event. The Ripple CEO stated that over the next five years, more than 30% of the $13 trillion Ripple Treasury is expected to move on-chain. He cited American Airlines as a prime client, arguing blockchain could reduce settlement friction and improve payment efficiency.
Van Code calculated that 30% of the treasury market represents nearly $5 trillion flowing through blockchain infrastructure. Combining this with Ripple's Federal Reserve master account exposure and XRP's escrow release structure, he argued XRP could average around $80. Under those conditions, XRP's total valuation could approach $5 trillion within roughly 60 months.
Institutional Adoption Narrative Gains Traction, But Skepticism Remains
The prediction quickly spread across social media, with XRP supporters highlighting the need for blockchain systems capable of continuous operation in tokenized treasury markets. Ripple's focus on settlement efficiency and ongoing partnerships further fueled long-term adoption expectations.
However, some analysts remain cautious. While acknowledging Ripple's institutional progress, critics point to regulatory uncertainty, infrastructure adoption hurdles, and blockchain competition as factors that could slow the pace of treasury tokenization. The $80 target, though speculative, has intensified discussion around XRP's potential role in future financial infrastructure.