Ripple CEO Brad Garlinghouse has outlined a scenario that could significantly increase the price of XRP. Speaking at the 2025 XRPL Apex event in Singapore, Garlinghouse suggested that the XRP Ledger could, within the next five years, handle 14% of the transaction volume currently processed by the SWIFT financial network. Ripple CEO’s Projection: XRP Ledger vs SWIFT During the panel, a journalist asked Garlinghouse and Ripple’s Chief Technology Officer, David Schwartz, how much of SWIFT’s global transaction volume the XRPL could realistically support by 2030. Garlinghouse responded by clarifying that SWIFT operates primarily as a messaging system, and that XRP’s relevance lies in its capacity to provide on-demand liquidity. Garlinghouse projected that the XRPL could eventually facilitate 14% of SWIFT’s liquidity-based transaction volume. While SWIFT is commonly cited as moving $5 trillion daily, this figure refers to message traffic rather than the value of settled transactions. A more conservative figure published by Forbes in 2023 estimates that SWIFT’s actual annual transaction volume is closer to $150 trillion. Applying Garlinghouse’s 14% estimate to that figure, the XRPL would process approximately $21 trillion annually. Impact of $21 Trillion On XRP Price To understand how this level of volume could affect XRP’s price, we asked ChatGPT from OpenAI to analyze the numbers based on current market metrics. At the time of the projection, XRP was priced at $2.24, with a circulating supply of 58.81 billion tokens. This resulted in a market capitalization of roughly $131.9 billion. If the total supply of 100 billion XRP is considered, the fully diluted valuation would be around $224 billion. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 XRP is designed for high-frequency transactions and is not significantly burned during use, which means it is recycled across multiple transactions. Therefore, its market value is shaped more by how often it circulates and how much liquidity is required to support transaction flow rather than by scarcity. If each XRP token were to turnover 30 times per year, roughly once every 12 days, supporting $21 trillion in volume would require a liquidity base of about $700 billion. To meet this requirement with the current token supply, each XRP would need to be valued at approximately $11.90. Additional Market Factors Could Raise Valuation Beyond its utility, other dynamics can influence XRP’s price, including institutional adoption and investor sentiment. Should speculative interest raise the token’s market cap to 1.5 times the required liquidity level, the token’s price could rise to around $17.85. If the market valuation were to double the base liquidity estimate, the price per XRP could reach approximately $23.81. It’s important to note that these projections rest on several conditions. XRP must remain the core asset for transactions on the XRPL, and the estimated turnover rate of 30 times per year must be maintained. If tokens circulate more frequently, the liquidity pool needed would decrease, potentially altering the price outlook. If Ripple’s forecast holds and XRPL becomes a major player in global liquidity, XRP could experience significant appreciation , with its value potentially rising to double digits. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Likely XRP Price If XRP Ledger Takes 14% of SWIFT Volume In 5 Years As Ripple CEO Predicted appeared first on Times Tabloid .
