Ongoing discussions in the digital asset space have increasingly examined how XRP could be positioned within the global payments ecosystem. In particular, analysts and commentators have explored what XRP’s valuation might look like if it were to process a small share of transaction flows associated with SWIFT, the dominant international financial messaging network. While such projections are theoretical, they provide a framework for understanding why XRP’s long-term role in cross-border payments continues to attract attention. XRP’s Proposed Role in Global Payments Ripple’s leadership has consistently emphasized that XRP was created to enhance international settlements rather than eliminate existing financial infrastructure. According to statements from Ripple executives, traditional systems remain functional but often involve delays, multiple intermediaries, and high operational costs. Blockchain-based settlement, by contrast, allows transactions to finalize more quickly and with fewer steps, potentially freeing up capital that would otherwise remain locked in transit. From this perspective, XRP is often discussed as a settlement asset that could operate alongside established networks. Under such an arrangement, SWIFT would continue to serve as a messaging layer, while XRP and the XRP Ledger could be used to move value more efficiently between institutions. The Scale of SWIFT’s Transaction Network To assess XRP’s hypothetical price impact, it is important to understand the magnitude of SWIFT’s daily activity. The network processes tens of millions of messages every day, with reported averages exceeding 40 million messages daily in recent years. Although SWIFT does not publish exact figures for the total value transferred, historical estimates suggest that daily transaction values reached approximately $5 trillion as early as the mid-2000s. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Given the growth of global finance since then, current volumes are widely assumed to be higher. However, using the conservative $5 trillion figure provides a reasonable baseline for illustrative calculations. Modeling a 5% Share Scenario If XRP were to facilitate just 5% of a $5 trillion daily transaction flow, that would equate to $250 billion moving through the asset each day. At present, XRP trades near $2.09 and typically records daily trading volumes of roughly $3 billion. An increase from $3 billion to $250 billion in daily activity would represent a significant expansion in usage. Applying a simplified proportional framework that compares current trading activity with this hypothetical level, XRP’s price could rise substantially under such conditions. Using this approach, some estimates place XRP’s potential price near $170 per token, assuming the market adjusts upward in line with increased volume. At that level, XRP’s total market capitalization would reach several trillion dollars, positioning it among the largest financial assets globally. However, asset prices do not scale directly with transaction volume, particularly in markets dominated by institutional liquidity, net settlements, and high-frequency activity. Much of the increased volume could reflect operational usage rather than sustained buying pressure. Nonetheless, this analysis helps explain why XRP’s potential integration into large-scale payment flows remains a subject of interest. Even limited participation in systems associated with global settlement activity could have meaningful implications for XRP’s long-term valuation, depending on adoption, regulation, and market structure. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post XRP Price Outlook if It Captures 5% of SWIFT’s Daily Transactions appeared first on Times Tabloid .
