Here’s XRP Price if It Is Adopted by SWIFT as a Liquidity Layer

Expert projections suggest XRP price could potentially reach three-digit levels if SWIFT adopts XRP as a liquidity layer.

Many analysts still believe XRP trades far below its real value despite its current price of $2.22 representing an over 300% increase from November 2024. They argue that XRP’s utility in payments, especially in the cross-border scene, hasn’t been fully recognized by the market. 

XRP Currently Undervalued?

According to these commentaries, if more institutions begin to adopt XRP and its full potential is priced in, they expect the value to climb significantly. However, there is widespread uncertainty around how high this utility could push XRP price.

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To explore this idea further, we asked ChatGPT, OpenAI’s AI chatbot, to assess what XRP price might look like if it powered SWIFT’s global payment system as a liquidity layer.

In response, ChatGPT presented a multi-model analysis. For context, SWIFT currently moves about $150 trillion in transactions each year. If XRP steps in as the main bridge currency for these transactions, its price could rise sharply depending on the model it follows.

XRP Price if SWIFT Adopts It as a Liquidity Layer

The first model focuses on how much liquidity XRP needs to support SWIFT’s volume. The major factor here is velocity, which represents how many times each XRP token is used in transactions each year. 

With 60 billion XRP in circulation, the model shows that if each token moves through ten transactions annually, the price will need to rise to around $250 to support $150 trillion in volume. If velocity increases to 20 or 50, the required price per token would drop, but $250 is the middle-ground estimate based on reasonable reuse rates.

Next, ChatGPT highlighted that XRP might also gain value as a store of wealth. Notably, this means investors would not only use it for transactions but also hold it long-term, like gold or U.S. Treasuries. 

If that happens, XRP could attract a premium over its utility value. For instance, a 25% premium on the $250 base value would push the price up to about $312.50. If investor confidence grows stronger and the premium hits 100%, the XRP price could rise as high as $500.

Meanwhile, the third model looks at XRP’s price if it reaches the market cap of major monetary systems. Should XRP match the estimated $5 trillion float of the SWIFT network, the price could land around $83 per token. 

After putting all these models together, ChatGPT presented a price range. Specifically, if XRP plays a central role in SWIFT’s operations and gains widespread trust, the price could climb to somewhere between $250 and $500.