A few days ago, we published an article discussing a statement by Brad Garlinghouse, CEO of Ripple, in which he predicted that by 2030, Ripple will account for 14% of SWIFT transactions.
Here are some numbers on how much the XRP price could reach if Garlinghouse's prediction comes true:
According to Statista estimates, the SWIFT network handles approximately $5 trillion in transactions daily, equivalent to $1.25 quadrillion annually.
Therefore, the XRPL network's acquisition of 14% of this volume means settling approximately $175 trillion annually, or approximately $700 billion daily, using XRP.
Assuming all XRP is used four times per day, the network would require at least $175 billion in XRP liquidity per day to ensure smooth settlements.
In this scenario, the price of XRP could rise to more than $20, according to models based on the role of liquidity and continuous trading.
Although these estimates remain theoretical, the XRP community has become more optimistic following Garlinghouse's comments, and excessive predictions have emerged, some of which place the price of XRP at $1,500.
However, these numbers, although attractive, lack a realistic basis at the present time.
For example, if XRP reaches $1,250, its market cap will exceed $67 trillion, more than the combined value of Bitcoin, Amazon, Apple, Google, and gold.
Therefore, any investment bet on this basis requires extreme caution and a rational assessment of the actual market data.