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How Much Will XRP Be Worth If Ripple Handles 15% of SWIFT Transaction Volume?
Many cryptocurrency projects are predicting potential growth figures. Ripple, for example, has long been considered a potential rival to SWIFT. But what if Ripple actually handles 15% of SWIFT's global transaction volume? How high could the price of XRP go? TheCryptoBasic's post on X will delve into this situation, using insights from Ripple's CEO Brad Garlinghouse and Ripple's CTO David Schwartz. The post provides a detailed analysis of what Ripple's adoption could mean for the price of XRP and how XRP could benefit if it becomes a key player in cross-border payments. The CEO of Ripple predicts that XRP will handle large transaction volume globally. According to TheCryptoBasic, at the XRPL Apex 2025 event in Singapore, Ripple CEO Brad Garlinghouse was asked how much transaction volume the XRP Ledger could take over from SWIFT in the next five years. Garlinghouse pointed out that SWIFT is primarily a messaging platform, while Ripple focuses on providing actual liquidity. He explained that this difference is what makes XRP valuable. In his response, Garlinghouse stated that XRPL could handle about 14% of SWIFT's total volume in the coming years. TheCryptoBasic emphasized that while some earlier calculations used $5 trillion per day for transaction volume, a more accurate estimate from Forbes puts SWIFT's annual volume at around $150 trillion. If XRPL accounts for 14% of that $150 trillion, it means that around $21 trillion in annual transaction volume flows through the XRP Ledger.
The Price of XRP May Increase on Utility TheCryptoBasic's post also analyzes how XRP can absorb such a large volume without the token needing to hold $21 trillion in value at once. Instead, XRP acts as a bridge asset and can be reused multiple times throughout the year. This idea, known as transaction speed, is central to XRP's price potential. According to the post, ChatGPT from OpenAI analyzed the numbers and suggested that if each XRP token is reused 30 times a year, the network will need a liquidity pool of about 700 billion dollars to support the total volume of 21 trillion dollars.
At the time of writing, XRP is priced at $2.24, with a market capitalization of approximately $131.9 billion based on a circulating supply of 58.81 billion tokens. If you calculate the total supply as 100 billion tokens, the fully diluted market capitalization of XRP would be around $224 billion. To meet a liquidity demand of $700 billion, the price of XRP would need to increase to $11.90. Can XRP Increase Even Higher? But that is just the base value. TheCryptoBasic's post also explores scenarios where speculation and institutional interest push the price even higher. If the market starts to value XRP at 1.5 times its base utility, the price could rise to $17.85. If that multiplier reaches 2 times, then XRP could reach a high of $23.81. These numbers depend on key assumptions. One of them is that XRP continues to be the primary asset used for the liquidity functions of the XRPL. Another assumption is that the annual revenue multiple of 30x remains accurate. If XRP circulates faster than that, the network will require a smaller liquidity pool, and the price needed for each token will be lower. Final Thoughts on TheCryptoBasic's Prediction The scenario shared by TheCryptoBasic provides an interesting perspective on the future of Ripple and the price outlook for XRP. This scenario is based on realistic estimates of the volume of SWIFT and a conservative model of the frequency of XRP's reuse. This scenario also includes speculative layers that could drive the price higher depending on demand and the level of adoption. If Ripple can handle 14 to 15% of the global transaction volume of SWIFT and if XRP remains at the center of that system, then a price range of 12 to 24 dollars is not impossible. However, this is just a potential path. The important thing now is whether the adoption of Ripple will continue to grow and whether XRP can maintain its role in the ecosystem. As TheCryptoBasic concluded in the post, the next few years will be key to see how much value XRP can actually bring.