Crypto enthusiast Diana recently shared a tweet claiming Ripple CEO Brad Garlinghouse sees XRP potentially capturing 14% of SWIFT’s annual flows within the next five years.
For context, SWIFT processes nearly $1.5 quadrillion in transactions yearly. A 14% share would amount to about $210 trillion, dwarfing the U.S. GDP ($27T). The tweet suggested such a shift could redefine global money movement.
✨ Liquidity Demands & Valuation Scenarios
If even a fraction of this flow enters XRP liquidity pools, demand could fundamentally alter price discovery. Instead of retail-driven speculation, institutional flows might propel valuations far beyond past peaks.
1% of global flows → ~$96 per XRP
Aggressive case (5.6B float) → ~$943 per XRP
The tweet framed these figures as arithmetic outcomes, not hype.
✨ Adoption Beyond SWIFT
Diana highlighted further potential drivers:
DTCC settlements (~$3 quadrillion)
U.S. & Japan banking deposits (~$37.5T)
Global card payments (Visa/Mastercard/AmEx, ~$26T yearly)
Tokenization market (expected trillions in coming years)
This positions XRP as a multi-system settlement layer, not just a cross-border payments solution.
✨ Timelines & Institutional Context
Garlinghouse’s five-year outlook was framed as Ripple’s strategic vision, not speculation—aligned with trends like RWA tokenization, stablecoins, ETFs, and CBDCs.
Even marginal penetration could be significant:
0.1% share → ~$9.6 per XRP
1% share → ~$96 per XRP
14% of SWIFT flows → potentially in the hundreds per XRP
The conclusion? Whether XRP reaches these heights depends less on hype and more on how fast regulation, banks, and financial networks embrace adoption.
#XRP #Ripple #SWIFT #Tokenization
