Here’s XRP Price if It Is Adopted by SWIFT as a Liquidity Layer.
Expert projections suggest XRP price could potentially reach three-digit levels if SWIFT adopts XRP as a liquidity layer.
Many analysts still believe XRP trades far below its real value despite its current price of $2.22 representing an over 300% increase from November 2024. They argue that XRP’s utility in payments, especially in the cross-border scene, hasn’t been fully recognized by the market.
XRP Currently Undervalued?
According to these commentaries, if more institutions begin to adopt XRP and its full potential is priced in, they expect the value to climb significantly. However, there is widespread uncertainty around how high this utility could push XRP price.
To explore this idea further, we asked ChatGPT, OpenAI’s AI chatbot, to assess what XRP price might look like if it powered SWIFT’s global payment system as a liquidity layer.
In response, ChatGPT presented a multi-model analysis. For context, SWIFT currently moves about $150 trillion in transactions each year. If XRP steps in as the main bridge currency for these transactions, its price could rise sharply depending on the model it follows.
The first model focuses on how much liquidity XRP needs to support SWIFT’s volume. The major factor here is velocity, which represents how many times each XRP token is used in transactions each year.
With 60 billion XRP in circulation, the model shows that if each token moves through ten transactions annually, the price will need to rise to around $250 to support $150 trillion in volume. If velocity increases to 20 or 50, the required price per token would drop, but $250 is the middle-ground estimate based on reasonable reuse rates.
