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HomeCrypto NewsMarketHere's XRP Price if It Is Adopted by SWIFT as a Liquidity Layer

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

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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.

XRP Price Liquidity Valuation Model ChatGPT
XRP Price Liquidity Valuation Model | ChatGPT

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. 

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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.

Utility Premium Model ChatGPT
Utility Premium Model | ChatGPT

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. 

Market Cap Parity Model ChatGPT
Market Cap Parity Model | ChatGPT

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. 

DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.

Author

Sam Wisdom Raphael
Sam Wisdom Raphael
Sam Wisdom Raphael is a seasoned crypto news writer and journalist with 5 years of experience covering blockchain, DeFi, and crypto developments. Sam's active presence in the crypto community complements his deep understanding of the crypto space, allowing him to craft comprehensible price analysis reports and tackle technical blockchain concepts.

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