A bold forecast from Ripple CEO Brad Garlinghouse has the crypto community buzzing. At a recent conference, he said XRP could handle 14% of SWIFT’s global transactions by 2030. That statement has traders asking how such adoption might shape XRP price over the next few years.
What you'll learn 👉
Ripple’s Big SWIFT Target
Garlinghouse explained that SWIFT moves about $5 trillion every day. If XRP were to handle 14% of that flow, it would mean roughly $700 billion daily, or about $175 trillion annually, settling through Ripple’s network.
Today SWIFT works as a messaging system between banks, which makes international transfers slow and expensive, often taking days and costing more than $25 per transfer.
Ripple’s tech is different. XRP transactions settle in 3-5 seconds and cost just about $0.002, running 24/7 across time zones and holidays.
Read Also: This Overlooked XRP Chart Signal Could Unleash the Next Price Rally
Why Banks Are Interested in XRP
Ripple’s On-Demand Liquidity (ODL) is a key part of the appeal. It removes the need for banks to hold large pre-funded nostro accounts. In one example, a Mexican partner freed up $300 million in just one quarter using ODL.
Clearer regulations also help. In 2024, a U.S. court ruled XRP isn’t a security when sold to retail investors. Europe’s MiCA framework treats XRP like other digital assets, and Japan’s regulators have long acknowledged its role in payments.
A proposed U.S. bill could even classify tokens like XRP as commodities, opening doors for ETFs and bigger institutional adoption.
Read Also: Veteran Bitcoin Investor Makes Shocking XRP Price Prediction for 2025
What XRP Price Could Look Like
Analysts say that if XRP processes even 1% of SWIFT’s daily volume, models show the token could reach $80-$120 within five years. Some extreme forecasts go as high as $900, but those are viewed as less realistic because of supply and selling pressure.
Whales seem to be positioning already. Large wallets holding 10 million or more XRP bought $38 million worth of tokens in just three days after Garlinghouse’s comments. If Ripple captures even a fraction of SWIFT’s traffic, XRP price could see major growth from current levels.
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