XRP could see an explosive price expansion if it were to capture even a small slice of SWIFT’s daily transaction flow. Ripple executives have long argued that XRP is designed to improve cross-border payments rather than outright dismantle existing systems. Ripple CEO Brad Garlinghouse has previously stated that SWIFT’s infrastructure works but remains slow and expensive, especially for international transfers. SWIFT processes tens of millions of financial messages every day.
In the mid-2000s, SWIFT was already processing around $5 trillion per day, based on average transaction sizes at the time. Five percent of $5 trillion equals $250 billion in daily transaction volume flowing through XRP. If XRP’s daily volume were to rise from $3 billion to $250 billion, that would represent an increase of roughly 83 times current levels. Using a simple proportional model that links trading volume growth to price appreciation, XRP’s price could theoretically rise to around $173 per XRP.
That would represent an increase of more than 8,200% from current levels and push XRP’s market capitalization well into the multi-trillion-dollar range. It’s crucial to stress that this estimate is purely hypothetical. Price does not move in perfect proportion to transaction volume, especially at scale. Even a small percentage of SWIFT-level activity could dramatically change XRP’s long-term valuation profile.
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