 ▲ Ripple (XRP) and SWIFT / ChatGPT-generated image © |
A bold projection has emerged drawing market attention, suggesting that XRP (Ripple) could reach $100 if it captures even a portion of the transaction volume handled by the global payments network SWIFT.
According to cryptocurrency media outlet Watcher.Guru on March 7 (local time), entrepreneur Patrick Bet-David presented a scenario in which XRP’s price could climb to $100 if it processes part of the transaction volume of SWIFT (the Society for Worldwide Interbank Financial Telecommunication). He explained that this outlook is based on the assumption that XRP could account for a certain share of SWIFT’s payment flows.
Bet-David emphasized that SWIFT currently processes approximately $5 trillion per day, or about $1,250 trillion annually. If XRP were to handle 5–10% of that volume, it would amount to roughly $250–500 billion per day, or about $125 trillion annually, being processed on the XRP network. He argued that if such sustained demand were established, XRP’s price could reach $100.
Some analysts have proposed even more extreme scenarios. If XRP were to completely replace SWIFT, its market capitalization could reach around $10 trillion, potentially pushing its price to $1,000, they claim. The XRP network’s transaction confirmation time of approximately 3–5 seconds and its near-zero transaction fees are cited as key factors supporting its suitability for large-scale international payment infrastructure.
Changes in the regulatory environment are also mentioned as factors increasing the likelihood of XRP adoption. A lawsuit filed by the U.S. Securities and Exchange Commission (SEC) in 2020 shifted direction in 2023 when a court ruled that XRP was not a security on public exchanges, and the case was ultimately concluded in August 2025. As a result, an environment has been established in which U.S. banks and payment companies can build XRP-based services without legal uncertainty, according to assessments.
Interest from political figures and prominent individuals is also contributing to the expanding discussion around XRP. Donald Trump mentioned XRP alongside Bitcoin (BTC) and Ethereum (ETH) on social media, while Elon Musk has expressed interest in innovating payment infrastructure, fueling analysis that related discussions are entering mainstream discourse. XRP is currently priced at approximately $1.37, with a market capitalization of about $83.6 billion.
*Disclaimer: This article is for investment reference only and does not assume responsibility for any investment losses incurred based on its content. The information provided should be interpreted for informational purposes only.*