Official US stance on #XRPRealityCheck

There are no confirmed reports or information indicating that the US government is in formal discussions about replacing the SWIFT system. It is more Ripple's desire to capture some liquidity, rather than an official state policy.

Ripple CEO Brad Garlinghouse stated during the XRP APEX 2025 event in Singapore (June 11–13, 2025) that XRP could capture about 14% of the global SWIFT payment volume in the next five years.

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XRP price estimates at 14% SWIFT share

Various analyses attempt to estimate how the price of XRP would increase if such a share were actually achieved:

• Grok AI: with a volume of $700 billion daily (i.e., 14% of $5 trillion), the price of XRP could reach $100–$500.

• DeepSeek AI: in the base scenario, the possible price is $63.88, in the bullish scenario – $170, and in the pessimistic scenario – around $25.55.

• Another analysis (Oak Park Journal): confirms Garlinghouse's statement but does not provide specifics regarding the price, only reinforces the assumption itself.

• CoinTrust: estimated that the price could be $120–$500, and in extreme models could even exceed $1,000 (given many assumptions, such as global regulatory compliance and competitive dominance).

• TheCryptoBasic (with the help of ChatGPT):

• base model: price around $11.90 assuming XRP processes $21 billion annually (14% of $150 billion SWIFT).

• taking additional demand into account, the price in the x1.5 variant — $17.85, and with a multiplier of x2 — $23.81.