XRP News Today: XRP Could Surpass $300 If It Captures 28% of SWIFT Transactions in a Decade

A recent analysis posits that XRP could ascend to over $300 per token if it facilitates 28% of SWIFT’s global transactions within the next decade [1]. This projection, derived from hypothetical modeling, assumes XRP serves as the exclusive bridge asset for cross-border settlements, leveraging its role in liquidity provision rather than competing directly with SWIFT’s messaging infrastructure [1]. Ripple CEO Brad Garlinghouse emphasized this complementary dynamic during the 2025 XRPL Apex event, stating that the XRP Ledger (XRPL) is more likely to enhance global liquidity than replace SWIFT’s messaging systems [1].

Garlinghouse provided a benchmark for potential adoption, suggesting XRP could capture approximately 14% of SWIFT’s transaction volume within five years [1]. The 28% scenario extrapolates this growth trajectory, aligning with SWIFT’s estimated annual transaction volume of $150 trillion [1]. At this level, XRP would handle $42 trillion yearly, equivalent to $115 billion daily. Two valuation models were outlined to estimate XRP’s price under varying transaction velocities. The first model assumes each XRP token circulates four times annually, requiring $10.5 trillion in liquidity to support the $42 trillion volume. Divided by the circulating supply of 60 billion tokens, this yields a projected price of $175 [1]. A second model reduces velocity to two transactions per year, doubling the required liquidity to $21 trillion and projecting a token value of $350 [1]. These scenarios hinge on XRP being the sole liquidity provider; if other assets share this role or if the circulating supply shrinks via burns or long-term holding, the price would adjust accordingly [1].

The analysis underscores XRP’s potential scalability, particularly if its adoption exceeds the 28% threshold. However, the projections are explicitly hypothetical, contingent on regulatory environments and market conditions. Garlinghouse’s remarks highlight a strategic focus on coexistence with SWIFT rather than direct competition, a nuance critical to understanding the long-term viability of XRP’s role in global finance [1].

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