A recent post by Fruition Productions has reignited interest in XRP’s long-term value potential based on Ripple’s potential impact on global payments. The article discusses a valuation scenario based on statements from Ripple CEO Brad Garlinghouse regarding XRP potentially capturing 14% of SWIFT’s transaction volume.
XRP Valuation Scenario from Ripple
At the 2025 APEX developer summit, CEO Brad Garlinghouse predicted that XRP could capture 14% of SWIFT’s transaction volume in the next five years. Fruition Productions noted that hitting this portion of SWIFT's $150 trillion in annual settlements would mean $21 trillion could flow through the XRP Ledger (XRPL). Under this scenario, the asset price could reach $357 based on cross-border payment utility.
Increasing Utility and Adoption
This calculation assumes XRP’s adoption in institutional financial networks and envisions a direct correlation between settlement volume and price. Fruition Productions clarified that this projection reflects utility-based pricing, setting it apart from typical market-driven price targets. A follow-up post pointed out that CEOs tend to be conservative in public statements, suggesting XRP might play a larger role in the global financial ecosystem.
Ripple’s Strategy and Market Impact
Brad Garlinghouse has emphasized Ripple’s ambition as a global payments infrastructure provider. Posts suggest there is room for optimism beyond public statements. With XRPL offering fast and low-cost settlement options and Ripple’s engagement in central bank digital currency (CBDC) development, the idea of XRP exceeding a $357 valuation may not just be speculative. Ripple has formed partnerships with financial institutions across various regions, and XRP is integrated into payment corridors in Latin America, Asia, and the Middle East.
In conclusion, the potential impact of XRP on global payments and its growth in institutional networks suggest significant shifts in financial markets. The expected 14% share in SWIFT volumes could be a critical benchmark for XRP's future development.
