Ripple CEO Brad Garlinghouse made a bold prediction that XRP could capture 14% of SWIFT flows over the next five years. This information was shared in a tweet by crypto enthusiast Diana.
Projection of Financial Flows
SWIFT facilitates around $1.5 quadrillion in transactions annually. A 14% share of that would amount to approximately $210 trillion. This figure, when placed against the $27 trillion GDP of the United States, illustrates the potential scale of changes in global money movements.
Liquidity Scenarios and Valuations
If even a fraction of these projected flows were directed into XRP liquidity pools, the resulting demand would change the way price discovery occurs for the asset. For instance, assuming only 1% of global flows directed into XRP, this could lead to a value of around $96 per token. In a more bullish scenario, using an effective float of 5.6 billion XRP, the estimate could reach $943 per token.
Institutional Context and Changes
Garlinghouse's statement about XRP achieving this level of integration within five years reflects Ripple's outlook toward accelerating adoption. This encompasses trends like the tokenization of assets, the growth of stablecoins, and the development of central bank digital currencies, positioning XRP as a key player in financial infrastructure.
Should XRP capture even a marginal market share, it could significantly impact its valuation. However, achieving this will depend on the alignment of regulatory frameworks and financial systems.
