Ripple's new approach to disrupting old financial systems has sparked a debate about the future direction of XRP.
With the cross-border payment sector being a $194 trillion market globally, investors and analysts are closely monitoring Ripple's strategies.
Ripple aims to replace SWIFT's 50-year-old system.
In a recent interview with FOX Business, Brad Garlinghouse, CEO of Ripple, emphasized that the main goal of this platform is not to work with SWIFT but to replace it.
SWIFT, established in the early 1970s, currently controls the majority of cross-border transactions globally.
Ripple aims to implement its payment protocol based on using blockchain technology to process payments faster and more efficiently.
In the interview, Garlinghouse emphasized that SWIFT's current transaction architecture is outdated, even though it is widely used around the world. Therefore, this is a good opportunity to implement new technologies, such as Ripple.
According to Ripple, the cross-border payment market is valued at approximately $194 trillion and needs to be updated with new technologies.
Essentially, Ripple's plan focuses on introducing a product that not only speeds up transaction times but also reduces costs. This change in strategy could open the door for XRP, Ripple's native digital asset.
XRP could rise to $48.89 if Ripple processes $20 trillion annually.
Liquidity forecasts and market estimates have been used to assess XRP's potential if Ripple captures a share of the cross-border payment sector. According to Grok3's calculations, if Ripple can process $20 trillion annually, the price of XRP could rise to $48.89.
Additionally, this estimate has taken into account a circulating supply of about 58 billion tokens. It also considers demand arising from the use of the network's utility functions. With higher volume passing through Ripple's ledger, liquidity demand will also be higher, thereby driving the price of XRP up.
Furthermore, Brad Garlinghouse noted that the inherent efficiency of blockchain, such as faster settlement times, provides a strong advantage for Ripple.
He added that reducing operating costs could make Ripple's proposal attractive to banks and financial institutions looking for alternatives to SWIFT.
DeepSeek's forecast, supported by liquidity and market capitalization calculations, gives a projected valuation for XRP in the range of $34 to $48, depending on the level of adoption.
The cross-border payment industry is expected to grow from $194 trillion to $320 trillion in the next decade. Ripple, with its fast payment capabilities, has the potential to make XRP one of the most useful digital assets in the future.
XRP Price Prediction: Could it increase 15 times?
Meanwhile, the price of XRP is trading around $2.2 at the moment, with a high of $2.35 and a low of $2.18. The price action indicates that XRP has formed a higher peak pattern, which is an early sign of an upward trend.
However, trading volume has decreased recently, implying that buying pressure may diminish in the near future.
Source: TradingView
However, expectations for further growth of Ripple as the dominant company in the payment industry have sparked optimistic prospects from traders. If Ripple succeeds in 'capturing' a portion of the cross-border payment flow, the price of XRP could potentially increase 15 times from its current level.
On-chain data also shows that balances on centralized exchanges have decreased significantly. A large amount of XRP has been transferred to cold wallets.
Long-term holder activity has also increased during this time. Over 60% of the total supply of XRP has been inactive for more than 90 days. Such situations and increased demand often lead to greater volatility, allowing for stronger and more sustainable price growth.
Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investors should conduct thorough research before making decisions. We are not responsible for your investment decisions.