If XRP were to fully replace SWIFT and become the global standard for interbank payments:

Taking into account speculation and network effects

The price would soar well above $100

- **FOMO (Fear of Missing Out)**: Investors are buying XRP en masse, seeing its key role in finance.

- **Banks storing XRP**: Institutions would hold reserves of XRP, increasing long-term demand.

- **Limited supply**: Only 15 billion XRP is available in circulation, not 55 billion.

In this scenario, the price could reach as high as $300/XRP** (market cap: $1.5–4.5 trillion), which would be equivalent to the value of gold on the market.

Summary

In a hypothetical world where XRP replaces SWIFT, a price of $100–300/XRP would be realistic assuming healthy capitalization growth