XRP ($2.19) price could enter the double-digit territory if the crypto asset manages to handle only 15% of the daily volume processed by SWIFT. Ripple executives have long made it clear that they view XRP as a tool with massive potential in payments. At various forums and interviews, they've expressed confidence in XRP's ability to either complement or even overtake the SWIFT system in facilitating cross-border payments. Ripple Executives See XRP Replacing SWIFT Back in November 2018, Ripple CEO Brad Garlinghouse stated in an interview with Bloomberg that Ripple was actively working to take over SWIFT. During this interview, he highlighted the growing number of financial institutions that had already adopted Ripple's technology.  A few months later, during the 2019 Swiss National Bank Conference, Garlinghouse pointed out that nearly 6% of SWIFT's transactions require human intervention. This shows the need for a more efficient and automated solution, something Ripple provides. Later that same year, in October, he addressed The Economic Club of New York, spotlighting banks' growing dissatisfaction with SWIFT's inefficiencies and calling attention to Ripple's potential to solve these long-standing issues. Chris Larsen, Ripple's co-founder, made similar comments in May 2020 on the Block Stars podcast. He stressed that XRP and its underlying ledger could serve as a modern alternative to SWIFT, which he criticized for being outdated and inefficient. SWIFT's Massive Transaction Volume These statements hold some merit when one examines them against the scale at which SWIFT operates. Specifically, the SWIFT network processes around $5 trillion in transactions daily. Notably, this amounts to an astounding $1.3 quadrillion annually, considering a 260-business-day year.  This immense flow of funds illustrates just how dominant SWIFT is in global finance, indicating the necessity for efficiency. Further, it also shows how massive an opportunity lies ahead for XRP if it manages to capture even a fraction of this market. To explore what this potential might mean for XRP's value, we turned to ChatGPT. The chatbot analyzed what could happen if XRP were to handle 15% of SWIFT's daily volume.  XRP Price if It Handles 15% of SWIFT's Volume Currently, XRP trades at around $2.07 with a market cap of $121 billion and a circulating supply of about 58.39 billion tokens. Its average daily trading volume this month, April 2025, stands near $4.9 billion. ChatGPT considered a scenario where XRP handles 15% of SWIFT's daily volume, equaling roughly $750 billion daily. However, it also noted that not all transaction volume leads to sustained demand since most might be bridged or temporarily held. 

XRP Price if XRP Handles a Portion of SWIFT Volume ChatGPT

XRP Price if XRP Handles a Portion of SWIFT Volume | ChatGPT

Assuming only 10% of that volume, around $75 billion per day, translates into consistent XRP demand, the chatbot projected a corresponding market cap between $750 billion and $1.5 trillion. This projection rests on the commonly observed volume-to-market cap ratio in crypto, which typically falls between 5% and 10%. Using the existing circulating supply, ChatGPT estimated that XRP's price could range from approximately $12.84 on the low end to $25.68 on the high end. This represents a price increase of 520% to 1,140% from current levels. The chatbot concluded that if XRP can capture a meaningful share of SWIFT's transaction load, even a modest 15%, its valuation could rise substantially. Still, while the price potential is substantial, the real-world translation of volume to market demand remains uncertain.