XRP Possible Top Price Scenarios if SWIFT Selects XRP to Power Cross-Border Liquidity

What could be the impact on the XRP price if the global messaging system Swift adopted XRP as its liquidity layer?

Today, XRP continues to show strong resilience by holding above $2 as the broader market struggles. Despite this resilience, several market commentators argue that XRP still trades far below its real value

Notably, they base this view on XRP’s growing role in payments. Interestingly, amid these suggestions, multiple industry leaders have discussed whether XRP could replace SWIFT or work beside it as a settlement option for cross-border transactions.

Ripple Executives Tout XRP as SWIFT Competitor

Larsen also noted that Ripple does not aim to replace systems like SWIFT or ACH. Instead, he said it can operate alongside them to deliver faster, cheaper, and compliant international payments.

XRP as SWIFT’s Liquidity Layer?

XRP has dominated these conversations because of its attractive features, such as a fast, effective real-time settlement layer and low costs, which remain ideal for payments.

Amid the conversation, we explored what it might look like if SWIFT uses XRP as its liquidity layer. In such a setup, SWIFT’s messaging system would stay the same because banks would continue sending the same payment instructions they already use today.

However, settlement would happen through XRP. Banks would convert the sender’s currency into XRP, send it across borders in seconds, and convert it back into the receiving currency on arrival. This process would remove multi-day delays, cut costs, and free trillions currently locked in nostro and vostro accounts around the world.

Possible XRP Price if SWIFT Uses XRP as Liquidity Layer

Notably, SWIFT handles about $150 trillion in transactions each year. As a result, serving as SWIFT’s liquidity layer could positively impact its price. However, it remains unclear how much the XRP price would grow. As a result, we asked Google Gemini for its view

In response, Gemini noted that this scenario was extremely bullish but purely hypothetical. It explained that XRP would need a large enough market cap to support the liquidity demands that come with SWIFT’s scale

With SWIFT’s $150 trillion per year translating to about $411 billion per day and XRP’s circulating supply sitting at 60.25 billion tokens, Gemini applied a conservative liquidity multiple of 100. This produced a required market cap of roughly $41.1 trillion.

Utility Based Breakdown | Google GeminiDividing this figure by the circulating supply resulted in a utility-based XRP price of about $682. However, Gemini added that speculation could push the price much higher

Using a multiplier of up to 2.5 would yield a potential high-end range between $1,000 and $1,500 per token. Gemini also noted that regulation, competition, and technical requirements would heavily influence any real outcome.

XRP Price if SWIFT Adopts XRP as Liquidity LayerNotably, if this price materializes, most XRP holders would see their investments skyrocket to impressive heights. For instance, investors holding 5,000 XRP worth $10,300 today would see their balance skyrocket to $5 million if XRP hit the $1,000 mark, and $7.5 million if the $1,500 target plays out.