Expert Says XRP Will Become the Place People Store Most of Their Wealth

A growing number of voices in the XRP community now believe the coin will also become a primary means of storing wealth.

The latest commentary comes from software engineer Vincent Van Code, who suggested that “a time will come when XRP and the XRP Ledger are just where you keep most of your wealth.”

His remark comes at a moment when conversations around XRP’s long-term relevance, utility, and role in global finance are intensifying.

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XRP as a Treasury Asset

Van Code’s comment reflects a broader view emerging among XRP builders and analysts. They believe the asset is shifting from a simple payment bridge to a core store of value within the XRPL ecosystem.

This view aligns with Ripple CTO David Schwartz, who argues that XRP’s real strength is in letting users act as their own banks.

He describes XRP as a neutral, borderless asset with no counterparty risk, no chance of being frozen, and no need for intermediaries. These qualities make it well-suited for long-term wealth storage, according to proponents.

Schwartz’s Defense of XRP’s Unique Position

The debate grew after Western Union chose Solana instead of the XRP Ledger to launch its stablecoin. Critics argued this showed XRP was losing relevance. Meanwhile, Ripple CTO David Schwartz disagreed, saying XRP’s true strength lies in its neutrality and independence.

He explained that the XRPL supports a financial system where users fully control their money, without middlemen, fees, or restrictions.

Schwartz contrasted this with stablecoins, which depend on central issuers and can be frozen or reversed. He also noted that while speculation currently drives most crypto value, he believes XRP’s long-term worth will come from its real-world utility.

XRP in Long-Term Wealth Protection

Furthermore, the idea of XRP as a “treasury asset” also mirrors views from other prominent community commentators.

Crypto educator Coach JV recently said he stores his family’s wealth in Bitcoin and XRP because both have fixed supplies and resist inflation.

With inflation eroding the dollar’s value by as much as 96% since 1913, he argues that deflationary assets like XRP will naturally attract long-term savers. Support for this thesis is growing:

• XRP has appreciated by over 65,000% in the past decade.
• Analysts like Zach Rector forecast XRP reaching $100, driven by economic instability and flight into alternative assets.
• Broader pressures, including inflation, job losses, and shifting Fed policies, are already driving more people toward borderless, fixed-supply assets.

Essentially, Van Code’s “treasury” comment reflects this belief that XRP could evolve into a trusted store of value as confidence in traditional systems declines.

Meanwhile, critics still question XRP’s future demand. Yet many now see it evolving from a bridge asset into a financial base layer where people and institutions could ultimately store their wealth.