$XRP
XRP will not be part of SWIFT, but a direct competitor – My thesis about the US strategy

I want to propose a thesis that could play an important role in the future of XRP and the global financial market: XRP will not be integrated into the SWIFT system but will become a direct competitor to SWIFT. America first! This means that Ripple and XRP could form the basis for a new, faster, and cheaper system for cross-border payments – and that the USA will actively drive this change as a pioneer.

The USA and the path to XRP as a global payment standard

In my considerations, I assume that the USA will use XRP as the primary means of payment for international transactions. XRP could become a real alternative to SWIFT, which still forms the backbone of international payment processing today. XRP offers the advantage of transaction times of seconds and extremely low fees, which represents an enormous competitive advantage compared to SWIFT, which often takes days for payments.

If the USA officially introduces XRP as the standard in the international financial world, this could push SWIFT into the background. In an increasingly globalized world where speed and cost are becoming more important, XRP could be the solution that international payments need.

Speculative assessment – What could the transition look like?

Of course, it must be emphasized that these assessments are speculative, as there are still no official confirmations for a direct transition to XRP. Nevertheless, there are numerous indications that this development is approaching. I assume that the USA and other leading economic nations are considering the introduction of a decentralized system in which XRP plays a central role. The International Monetary Fund (IMF) and central banks worldwide could collaborate with Ripple to establish a new payment network that uses XRP as a basis.

If this transition really happens, there could be decisive steps in the next 3–5 years that lay the foundation for XRP as a global payment standard. The path to this would certainly not be easy and would bring many hurdles, but it seems increasingly likely that this will be the long-term trend.

Why this thesis is important and possible price developments

If XRP actually establishes itself as a competitor to SWIFT, this could have massive effects on the XRP price. The demand for XRP would increase worldwide, as banks and central banks would need to hold XRP to process international payments. This would bring XRP into focus for institutional investors and governments, potentially leading to a dramatic price increase.

Here are some possible scenarios for price development:

1. Short-term reaction (1–2 years):

• Initial pilot projects and official confirmations: Once XRP is recognized by important institutions such as the US government or the IMF as a solution for cross-border payments, we could see a rise of 50–200% in the price of XRP. This would significantly attract the market, especially through positive news and ETF approvals. A price of $5 to $10 in the next 1–2 years would not be unrealistic.

2. Medium-term phase (3–5 years):

• Global adoption and increasing demand: Once central banks and major financial institutions use XRP for international payments, the price could increase exponentially. XRP would not only be used as a means of payment but also as a reserve currency and for cross-border payment transactions between countries. In this phase, the price could reach $50 to $200, depending on how quickly XRP is integrated into global payment transactions.

3. Long-term perspective (5–10 years):

• XRP as a global payment standard: If XRP establishes itself as the dominant standard in international payments, the price could reach high levels. $500 to $1,000 would be possible in such a scenario, especially if central banks must hold XRP in their currency reserves to conduct international trade.

A scenario where XRP is established as digital gold or as a central currency for international trade could even lead to prices in the range of $5,000 to $10,000. This would primarily be triggered by the massive influx of institutional investors and governments using XRP as a central currency in the financial system.

An example from the past:

Looking at the Bitcoin boom of 2017, when the price rose from under $1,000 to nearly $20,000, one can imagine that XRP could experience similar growth if it is established as a global standard. XRP already has a competitive advantage over other cryptocurrencies due to its technological superiority and support from major partners like SBI, Santander, and PNC.

Conclusion:

The potential price developments of XRP are closely linked to its role in the global financial system. If the USA and other leading economic nations decide on the transition to XRP as the primary system for cross-border payments, we could see massive price increases in the coming years. If XRP really establishes itself as a global payment standard, a price of $1,000+ in the not-too-distant future is quite possible.

Disclaimer: These assessments are based on my personal analysis and speculative considerations. There are no official confirmations of a complete transition to XRP, and all price forecasts should be regarded as speculative.

What do you think about this? Write it in the comments. Follow us for more news and give us a like 👍🏻