Here’s How Many Trillions XRP Could Process Yearly by Handling 14% of SWIFT’s Volume

The recent comment from Ripple leadership on XRP’s position in global financial processing continues to spark speculation about its implications for XRP.

According to a new breakdown powered by xAI’s Grok, if XRP captures even a fraction of SWIFT’s transaction volume, the figures quickly rise into the trillions.

Garlinghouse Projects 14% of SWIFT Volume on XRPL

During a brief chat at the XRPL Apex event, Ripple CEO Brad Garlinghouse offered a forward-looking estimate regarding the XRP Ledger. He stated that XRPL could handle up to 14% of SWIFT’s total transaction volume within the next five years.

Garlinghouse stressed the importance of focusing on liquidity rather than messaging when discussing cross-border payments, noting that SWIFT’s primary value today lies in moving money between jurisdictions, not merely sending information.

Grok Crunches the Numbers

This commentary sparked major excitement in the XRP community and triggered a new wave of speculative analysis.

Specifically, X user “XRPMillionaire” asked Grok to calculate what it would look like if XRP processed 14% of SWIFT’s annual volume. Given SWIFT’s estimated $150 trillion in yearly transaction volume:

• The full 14% projection equals $21 trillion annually, or roughly $58 billion in daily volume.
• 2.8% per year, on average over five years, equals $4.2 trillion annually.

Given this massive potential, “XRPMillionaire” took a swipe at skeptics who had previously dismissed XRP’s potential to reach values like $8. He joked that perhaps XRP should be priced at “$8, with several extra zeroes.”

The Price Implications for XRP

XRP is currently trading at $2.24 and has remained below its all-time high for over seven years. However, the possibility of its native network processing multi-trillion-dollar flows has renewed conviction among community members who believe in higher price forecasts.

As for how a $21 trillion annual volume could translate into XRP’s price, market commentary varies. 

One estimate suggests a $12 price for XRP, based on projected liquidity demand and token velocity. This valuation assumes that XRP circulates 30 times yearly, requiring a liquidity pool of approximately $700 billion. 

Meanwhile, another analysis factoring in rising institutional adoption and speculative demand suggested XRP could reach between $18 and $24.

Who Will Capture the Other 86%?

While these numbers are exciting, some commentators are zooming out to consider the bigger picture. In a follow-up commentary, “XRPMillionaire” encouraged XRP supporters to ask an important question: If XRP captures 14%, who will handle the remaining 86% of SWIFT’s transaction volume?

This perspective highlights the competitive landscape, including other blockchain projects like Chainlink, which, unlike XRP, is already involved in real-world collaborations with SWIFT.

Everyone is getting excited about the @bgarlinghouse statement that $XRP will capture 14% of Swift over the next 5 Years, I want to know who will capture the Other 86%???

— XRPMillionaire (@XRPMillionaiire) June 11, 2025