The Working Money Channel, followed by over 110,000 subscribers on YouTube, published a video exploring how high XRP price could go if Ripple succeeds in capturing just 10% of global payment volumes processed by SWIFT and its new partner, Hidden Road.
The host builds on past predictions and brings fresh insights by tying together legal updates, business expansions, and new institutional partnerships involving Ripple.
What you'll learn 👉
Ripple Price Forecasts Backed by Big Numbers and Bigger Partnerships
The host starts by reflecting on his own 2018 XRP forecast, where he estimated a price of $52.96 per XRP if Ripple captured just 10% of SWIFT’s massive daily payment volume. Now in 2025, he revisits that scenario with even more data—and new players in the mix.
SWIFT, the backbone of global interbank messaging, moves about $5 trillion per day. If Ripple were to process 10% of that—$500 billion daily—and XRP handled that volume, the XRP price could see an enormous increase. Based on Grok AI’s models mentioned in the video, the possible price ranges look like this:
- Around $9 per XRP if XRP is used at just 1% of that volume.
- Around $86 per XRP with full 10% utilization.
- A speculative upper range, thrown out for discussion, reaches over $1,000 per XRP, but the host clearly marks this as extremely unlikely unless the market capitalization reaches over $58 trillion—a figure he admits is far-fetched under current economic conditions.
What feels more realistic, according to the host, is an XRP price range between $10 and $100, depending on adoption, regulations, and continued institutional support.
The conversation doesn’t stop at SWIFT. The channel also dives into Hidden Road, a newer Ripple partner in the institutional liquidity space. If XRP were to handle 10% of their volume—details of which are less public than SWIFT’s—the host claims Grok AI estimates a price as high as $2,855 per XRP.
This number might spark headlines, but the host reminds viewers to take it with a grain of salt—it’s a theoretical ceiling, not a short-term forecast.
Ripple, XRP, and the Legal & Institutional Momentum in 2025
Aside from speculative price points, the Ripple price outlook is also deeply tied to regulatory and institutional developments. The video points to April 16, 2025, as a crucial day—the final expected legal filing in Ripple’s multi-year battle with the SEC. If resolved in Ripple’s favor, this could mark a turning point for XRP both in U.S. markets and globally.
There’s also buzz around a potential Ripple–SWIFT collaboration announcement on April 21, which could legitimize Ripple’s role in the traditional finance sector. The host believes this kind of institutional acknowledgment—if confirmed—would instantly elevate XRP’s reputation and utility.
Another important topic in the video is Yoshitaka Kitao, CEO of SBI Holdings (a major Ripple shareholder), who was recently nominated to the board of Fuji Media Holdings. The host, citing a post by XRP Crypto Wolf, believes this could pave the way for XRP Ledger integration across various industries like media, urban development, and logistics—especially in Japan.
Meanwhile, Standard Chartered, another Ripple-affiliated entity, has partnered with OKX to launch a crypto-collateral program aimed at institutional investors. This mirrors Ripple’s regulatory ambitions, particularly as the company recently received a license from VARA (Dubai’s Virtual Asset Regulatory Authority), adding to its growing credibility.
Read Also: Is XRP Price Forming a Bottom? Watch These Key Price Levels This Week
Is a Sky-High XRP Price Realistic?
The XRP price potential in 2025 is a mix of grounded analysis and high-stakes speculation. Working Money Channel acknowledges the math behind prices like $86 or even $1,000, the host urges viewers to keep their expectations anchored. Market velocity, adoption, regulation, and real-world use are all essential pieces of the puzzle.
Still, the narrative is compelling: with Ripple’s legal clarity on the horizon, growing ties to institutions like SBI and Standard Chartered, and deeper integration into both traditional finance and blockchain infrastructure, XRP may be entering a new phase.
Whether or not it hits those triple-digit targets, one thing is clear—the foundation is being laid for something much bigger than most anticipated just a few years ago.
Follow us on X (Twitter), CoinMarketCap and Binance Square for more daily crypto updates.
Get all our future calls by joining our FREE Telegram group.
We recommend eToro
Wide range of assets: cryptocurrencies alongside other investment products such as stocks and ETFs.
Copy trading: allows users to copy the trades of leading traders, for free.
User-friendly: eToro’s web-based platform and mobile app are user-friendly and easy to navigate.
