A recent analysis suggests that XRP could reach prices above $300 per token if it processes 28% of SWIFT’s global transactions over the next ten years. The conversation around XRP’s expanding role in cross-border settlements gained renewed attention during the 2025 XRPL Apex event. At the event, Ripple CEO Brad Garlinghouse addressed XRP’s future by distinguishing between SWIFT’s role as a messaging platform and its function in liquidity provision. He emphasized that the XRP Ledger (XRPL) is more likely to play a complementary role by enhancing global liquidity rather than attempting to replace SWIFT’s messaging infrastructure. In response to a question about how much of SWIFT’s transaction flow XRPL could realistically facilitate, Garlinghouse suggested a figure of around 14% within the next five years. Building on that, a hypothetical scenario was developed in which XRP supports 28% of SWIFT’s volume over ten years. For reference, SWIFT is estimated to handle approximately $150 trillion annually, according to Forbes . Therefore, 28% of this volume equates to about $42 trillion per year, or $115 billion per day. Modeling XRP’s Valuation Based on Transaction Volume To explore how XRP’s price might respond to this level of adoption, an estimate was generated using a circulating supply of 60 billion tokens and the token’s current market price of $3.07 . The calculation focuses primarily on token velocity, the frequency with which each XRP unit is used in transactions within a given year. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 In the first model, the assumption is that each XRP token changes hands four times annually. To accommodate $42 trillion in transactions under this scenario, the network would require $10.5 trillion in liquidity. Dividing that requirement by the circulating supply results in a projected price of approximately $175 per XRP. In the second scenario, the velocity is reduced to two transactions per year, which might reflect more stringent regulatory conditions or slower processing environments. Under these assumptions, the required liquidity doubles to $21 trillion, which translates to a projected token value of about $350. Implications of Broader Adoption and Scarcity It should be noted that both projections are based on XRP being the exclusive bridge asset for the designated share of SWIFT’s volume. If other assets share this role, or if XRP’s circulating supply decreases due to token burns or long-term holding, the price per token could adjust accordingly. Conversely, if XRP is used for more than 28% of SWIFT’s volume, its price could scale higher than these estimates. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post XRP Projected Price If It Processes 28% of SWIFT Transactions for Next 10 Years appeared first on Times Tabloid .
