An analyst has broken down how XRP price could cross the $900 mark if it captures 14% of SWIFT’s $1.5 quadrillion in annual transaction flows.
For context, the suggestion that XRP could take over this much volume from SWIFT originally came from Ripple CEO Brad Garlinghouse in June.
Now, XRP analyst Diana has brought renewed attention to this claim, using it to argue for an aggressive triple-digit price target for the coin.
$210T Moving Through the XRP Ledger
Notably, Garlinghouse’s five-year outlook comes as real-world asset tokenization, stablecoin development, exchange-traded funds (ETFs), and central bank digital currencies (CBDCs) are seeing their highest levels of adoption.
Amid this, Diana suggests that XRP could benefit from a historic liquidity wave that pushes its price to unprecedented points.
Notably, she claimed that SWIFT moves $1.5 quadrillion in annual payment flows, although reports of $150 trillion annually are more common. Using the ambitious $1.5 quadrillion figure, capturing 14% would mean about $210 trillion in transactions moving through the XRP Ledger.
To XRP proponents, such a scale of volume would be a game-changer for the coin, trading under $3 today.
“All the Money” Narrative
Furthermore, Diana claimed that Ripple’s network is already in talks across multiple large-scale financial sectors. She cited various valuations for monetary flows that major institutions supposedly process annually.
Specifically, the analyst referenced DTCC settlements of around $3 quadrillion. Notably, Ripple’s connection here is through its acquired prime broker, Hidden Road.
Global banks (U.S. and Japan) hold $37.5 trillion in deposits. The company has widely known partnerships with firms like BNY and SBI.
Diana also mentioned Visa, Mastercard, and American Express, which handle $26 trillion in annual payments, as well as tokenization markets projected to reach trillions this decade.
To XRP supporters, these connections strengthen the argument that XRP is positioned to grow far beyond retail speculation, becoming a backbone for high-value institutional flows.
3️⃣ THE “ALL THE MONEY” NARRATIVE 💣
XRP isn’t just knocking on SWIFT’s door.
It’s already sitting across multiple tables:• DTCC → ~$3Q in settlements
• Global banks (U.S. + Japan) → $37.5T deposits
• Visa/Mastercard/AmEx → $26T payments
•…— Diana (@InvestWithD) September 12, 2025
Breaking Down the XRP $943 Price Math
According to Diana’s calculations, capturing just 1% of the estimated $530 trillion in global financial flows could imply an XRP price near $96.
In a more ambitious scenario, with a 5.6 billion “effective” circulating supply and 14% of SWIFT flows, the price could theoretically surge toward $943 per XRP.
For a coin trading under $3 today, this projects a 314x return that would turn a 2,000 XRP portfolio into over $1.8 million.
She said even smaller participation, such as 0.1% of global flows, would equate to a potential valuation of about $9.60 per token, underscoring the scale of the opportunity.
“Just Wishful Thinking”
Meanwhile, this aggressive prediction by Diana has attracted significant attention in the crypto community, with many laughing it off.
While the numbers remain speculative, the scenario highlights what many long-term XRP supporters envision. Other XRP commentators have leveraged similar analyses to even call for loftier prices beyond $10,000.
Outside the XRP community, however, many dismiss these analyses as wishful thinking or outright “BS.”
lol what is this bs
— Supreme (@supremebeme) September 12, 2025
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.
