#RippleXRP
Here’s XRP Price if XRPL Handles 14% of SWIFT Volume as Projected by Ripple CEO:
XRP price has the potential to skyrocket to double digits if the XRPL handles 14% of SWIFT volume as projected by the Ripple CEO.
For context, at the 2025 XRPL Apex event in Singapore, Ripple’s CEO Brad Garlinghouse responded to a direct question regarding the future of the XRPL amid growing adoption.
Ripple CEO Predicts XRPL Will Handle 14% of SWIFT Volume in Five Years:
In response, Garlinghouse explained that it’s important to separate SWIFT’s messaging function from its liquidity role. He focused on liquidity, which he believes truly matters for XRP’s growth. Eventually, he estimated that XRPL could take on 14% of SWIFT’s total transaction volume within that time.
While theoretical calculations based on $5 trillion per day over a full year suggest $1.25 quadrillion in volume, real-world usage numbers are lower. Forbes, in a 2023 report, estimated SWIFT’s actual annual transaction volume to be approximately $150 trillion.
Using this more realistic estimate, 14% of $150 trillion equals $21 trillion in yearly volume flowing through the XRPL. So, we asked ChatGPT from OpenAI to break down what this could mean for XRP’s price.
At the time of the question, XRP traded at $2.24, had a market cap of $131.9 billion, and a circulating supply of 58.81 billion tokens. Including the full supply of 100 billion tokens, XRP’s fully diluted market cap would sit at $224 billion.
XRP Price if This Projection Materializes
ChatGPT factored in the potential for speculative interest and institutional participation, which could elevate XRP’s valuation beyond its base utility value. If that demand pushes the market cap to 1.5 times the base value, XRP’s price could hit $17.85. If it doubles the base value, the token might climb to $23.81.
