A bold forecast from Ripple CEO Brad Garlinghouse has the crypto community buzzing. At a recent conference, he said XRP could handle 14% of SWIFT’s global transactions by 2030. That statement has traders asking how such adoption might shape XRP price over the next few years.
Ripple’s Big SWIFT Target
Garlinghouse explained that SWIFT moves about $5 trillion every day. If XRP were to handle 14% of that flow, it would mean roughly $700 billion daily, or about $175 trillion annually, settling through Ripple’s network.
Today SWIFT works as a messaging system between banks, which makes international transfers slow and expensive, often taking days and costing more than $25 per transfer.
Ripple’s tech is different. XRP transactions settle in 3-5 seconds and cost just about $0.002, running 24/7 across time zones and holidays.
Read Also: This Overlooked XRP Chart Signal Could Unleash the Next Price Rally
Why Banks Are Interested in XRP
Ripple’s On-Demand Liquidity (ODL) is a key part of the appeal. It removes the need for banks to hold large pre-funded nostro accounts. In one example, a Mexican partner freed up $300 million in just one quarter using ODL.
Clearer regulations also help. In 2024, a U.S. court ruled XRP isn’t a security when sold to retail investors. Europe’s MiCA framework treats XRP like other digital assets, and Japan’s regulators have long acknowledged its role in payments.
A proposed U.S. bill could even classify tokens like XRP as commodities, opening doors for ETFs and bigger institutional adoption.
Read Also: Veteran Bitcoin Investor Makes Shocking XRP Price Prediction for 2025
What XRP Price Could Look Like
Analysts say that if XRP processes even 1% of SWIFT’s daily volume, models show the token could reach $80-$120 within five years. Some extreme forecasts go as high as $900, but those are viewed as less realistic because of supply and selling pressure.
Whales seem to be positioning already. Large wallets holding 10 million or more XRP bought $38 million worth of tokens in just three days after Garlinghouse’s comments. If Ripple captures even a fraction of SWIFT’s traffic, XRP price could see major growth from current levels.
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The post Here’s the XRP Price If Ripple Captures a Massive Share of SWIFT Payments by 2030 appeared first on CaptainAltcoin.
