XRP price has the potential to skyrocket to double digits if the XRPL handles 14% of SWIFT volume as projected by the Ripple CEO.

For context, at the 2025 XRPL Apex event in Singapore, Ripple’s CEO Brad Garlinghouse responded to a direct question regarding the future of the XRPL amid growing adoption. 

Ripple CEO Predicts XRPL Will Handle 14% of SWIFT Volume in Five Years

Specifically, a journalist asked both Garlinghouse and Ripple’s CTO, David Schwartz, how much of SWIFT’s transaction volume the XRP Ledger could realistically handle in the next five years. 

In response, Garlinghouse explained that it’s important to separate SWIFT’s messaging function from its liquidity role. He focused on liquidity, which he believes truly matters for XRP’s growth. Eventually, he estimated that XRPL could take on 14% of SWIFT’s total transaction volume within that time.

While theoretical calculations based on $5 trillion per day over a full year suggest $1.25 quadrillion in volume, real-world usage numbers are lower. Forbes, in a 2023 report, estimated SWIFT’s actual annual transaction volume to be approximately $150 trillion. 

Using this more realistic estimate, 14% of $150 trillion equals $21 trillion in yearly volume flowing through the XRPL. So, we asked ChatGPT from OpenAI to break down what this could mean for XRP’s price. 

At the time of the question, XRP traded at $2.24, had a market cap of $131.9 billion, and a circulating supply of 58.81 billion tokens. Including the full supply of 100 billion tokens, XRP’s fully diluted market cap would sit at $224 billion. 

XRP Price if This Projection Materializes 

In response, ChatGPT suggested that XRP doesn’t burn large amounts of tokens in each transaction. Instead, it gets reused, meaning its value is influenced more by transaction velocity and liquidity needs than by token scarcity.

ChatGPT started by pointing out how XRP could handle $21 trillion in annual volume. Since XRP acts as a bridge asset for payments, it doesn’t need to hold the full $21 trillion in value at one time. The major factor is transaction speed: how often the same XRP moves through the system. 

Assuming each token turns over 30 times a year, or about every 12 days, the network would need a liquidity pool of around $700 billion in XRP to support the full $21 trillion in volume.

With that pool size and the current supply of XRP, the price per token would need to rise to about $11.90, nearly $12. However, utility is not the only factor that drives market value. 

ChatGPT factored in the potential for speculative interest and institutional participation, which could elevate XRP’s valuation beyond its base utility value. If that demand pushes the market cap to 1.5 times the base value, XRP’s price could hit $17.85. If it doubles the base value, the token might climb to $23.81.

However, these numbers come with some important assumptions. First, XRP must stay central to XRPL transactions. Also, the 30x annual turnover rate is conservative. If XRP moves more frequently, the required liquidity pool drops, and the price outlook changes.

A veteran trader has presented a three-week XRP outlook, analyzing historical price trends and Fibonacci levels to predict continued upward movement.

XRP has experienced a steady rise in price recently, reaching $2.32 from just below $2.10 on June 6. This marks a notable increase, with a 2.09% gain in the last 24 hours and a 3.94% rise over the past week.

As the crypto continues its upward trend, an analyst, Pepa, offers a detailed three-week outlook for XRP. He draws attention to historical price movements and Fibonacci levels that could potentially guide the asset’s future path.

Pepa’s 3-Week Price Analysis for XRP

Pepa, a crypto trader since 2013, has presented an intriguing three-week price analysis for XRP. He highlights a significant pattern that has emerged over time, resembling historical price movements dating back to 2014. 

According to Pepa’s chart, XRP initially formed a descending trendline when its price peaked at $0.20 and then dropped to $0.004. This marked the 0 Fibonacci level, after which the price broke through the trendline and surged to $0.39 by May 2017. This surge, reaching the 7 Fibonacci level, was followed by further consolidation before XRP eventually soared to $3.4 by January 2018.

Pepa suggests that this same pattern has repeated in more recent years. Specifically, from a peak of $3.4 in 2018, another descending trendline formed, which capped XRP’s price action. The price then broke out in November 2024, surging to $3.4 by January 2025. 

Now, XRP has slipped into another consolidation phase. Pepa expects the consolidation to end soon, projecting a continuation of the upward trend. He believes this continuation of the uptrend could eventually push XRP to the 7 Fibonacci level, around $23.94. 

To reach this target, XRP would need to rise by approximately 931.9% from its current price of $2.32.

EGRAG Crypto’s Bullish Market Cap Forecast

Meanwhile, EGRAG Crypto, another market technician, is focusing on XRP’s market cap chart, where he has identified a W pattern formation. This pattern, resembling a cup and handle structure, suggests that a breakout to the upside is imminent. 

EGRAG presents a more conservative analysis of XRP’s potential, forecasting a market cap target of $270 billion based on the W pattern’s measured move. This would correspond to an XRP price of around $4.5. However, in a more optimistic scenario, EGRAG also considers a logarithmic move that could push the market cap to $1.5 trillion, which would lead to an XRP price of $25.

Concerns about XRP becoming too expensive resonate more when investors look at how the price of 10,000 XRP has changed over the years.

Notably, commentaries around this possibility have dominated the XRP community in recent times, especially in light of the asset’s meteoric surge from November 2024 to January 2025. For context, XRP soared nearly 600% within this period to hit a peak of $3.4.

Following a correction from this top, community pundits like Edoardo Farina have insisted that investors should amass more XRP tokens now that the asset trades for $2. They believe the $2 value is affordable in comparison to the potential price XRP could attain in the future.

Specifically, Farina has consistently suggested that market participants procure at least 10,000 XRP tokens. In one of his latest disclosures, he advised urgency. According to Farina, amid the global economic trend, up to 99% of retail investors could be priced out of the XRP market as the asset’s value continues to expand.

Cost of Purchasing 10,000 XRP Over the Years

To ascertain how this could happen, The Crypto Basic recently compared the cost of procuring 10,000 XRP tokens over the years. Particularly, a year ago, exactly on June 11, 2024, XRP traded for $0.48. At this price, an investor could amass 10,000 XRP tokens for just $4,800.

However, going further back, the capital requirement was even lower. For instance, exactly five years ago, on June 11, 2020, XRP changed hands around $0.19. With this price, investors who sought to amass 10,000 tokens would have spent a mere $1,900. 

Now, as XRP trades for $2.29, these 10,000 tokens are currently valued at $22,900. Essentially, today, it would take $19,000 more to procure 10,000 XRP than five years ago. Moreover, it would cost an investor $18,100 more to purchase 10,000 XRP than it would just a year ago.

Notably, while it would have cost more to procure 10,000 XRP in January 2018 than it is now, analysts believe the sort of downtrend that plagued the market from 2018 is a thing of the past, suggesting there could only be an upward push from here. This trend is the reason behind commentaries such as Edoardo Farina’s. 

Farina Doubles Down

In his latest remark, he questioned if the growing cost of purchasing crypto assets was due to a rise in the token’s cost or a decline in fiat currencies. Regardless, he has advised investors to save in digital assets like XRP instead of fiat. 

Recall that Australian attorney Bill Morgan pushed back on Farina’s recent commentary, suggesting that investors would still be able to procure XRP regardless of its future price. 

In response, Farina clarified that his comment bordered more on the idea that the rising cost of large XRP holdings like 10,000 XRP could make owning such a balance unattainable for the average investor. According to him, 10,000 XRP now costs $23,000, and this already is unattainable to some investors. However, this was not the case in 2020, as we recently found.

I know you're an intelligent guy, which makes this kind of post even more disappointing. The issue isn’t about whether XRP will still trade. Owning 10,000 XRP today costs $23,000. With inflation, rising rent, and stagnant wages, that's already a luxury most can't afford. You're…

— EDO FARINA 🅧 XRP (@edward_farina) June 10, 2025