Here’s XRP Price If It Handles 28% of SWIFT Transactions in the Next Decade

XRP price has the potential to reach the triple-digit region if XRP handles up to 28% of SWIFT transaction volume over the next decade.

For context, at the 2025 XRPL Apex, Brad Garlinghouse, the CEO of Ripple shared his thoughts on where the XRP Ledger (XRPL) might be headed as adoption continues to grow. An industry commentator asked him and David Schwartz, the company’s CTO, the fraction of SWIFT’s global transaction volume the XRPL could realistically capture in the next five years.

XRP’s Potential to Complement SWIFT

Responding, Garlinghouse explained the difference between SWIFT’s messaging network and its liquidity role. He clarified that XRP’s future depends more on how it supports global liquidity than how it replaces messaging. Based on that, he said the XRPL could potentially handle up to 14% of SWIFT’s total transaction volume within that five-year period.

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However, we recently bumped this figure up to 28% over the next ten years. Specifically, this 28% comes to $42 trillion per year, or about $115 billion every day. For context, Forbes estimated SWIFT’s actual transaction volume at $150 trillion annually, even though some theoretical estimates place it higher.

To have a clearer assessment, we asked ChatGPT to estimate how much XRP would need to be worth to support this $42 trillion yearly volume. We used XRP’s current price of $3.25 and its circulating supply of 60 billion tokens. 

XRP Price if It Handles 28% of SWIFT Volume 

In its response, ChatGPT relied more on XRP’s token velocity. For the uninitiated, the token velocity refers to how many times each XRP token changes hands in a year.

Notably, in the first case, the AI chatbot looked at a low-velocity scenario where each XRP moves only four times a year. That slow turnover means the system needs more XRP to handle the full volume. 

To support $42 trillion annually with this velocity, XRP would need to supply $10.5 trillion in liquidity. Divide that by the 60 billion XRP in circulation, and you get an XRP price of about $175 per token.

Meanwhile, in the second scenario, ChatGPT dropped the velocity to just two transactions per year. This situation could indicate a system with more regulatory friction or longer transaction times, which slows down how quickly XRP can cycle through the network. 

At this rate, the system would need $21 trillion in XRP liquidity. With the same 60 billion token supply, the price estimate jumps to around $350 per XRP.

Notably, both scenarios assume XRP serves as the only bridge asset for that 28% share of SWIFT transactions. If XRP handles more than 28%, or if its supply decreases over time due to token burns or long-term holding, the price could climb even higher.