TheCryptoBasic just shared another viral thread about the potential of XRP. This time, it dives into what could happen if SWIFT, the global payment network that moves around $150 trillion annually, adopted XRP as a core liquidity layer. It’s a bold scenario – maybe even a dream for some XRP holders – but the numbers presented in the thread are turning heads.
Right now, XRP is trading at $2.22. That’s already a big leap from its November 2024 levels, but many analysts believe it’s still undervalued. They argue that the market hasn’t fully priced in XRP’s real-world utility, especially in the cross-border payment space. According to the thread, if institutions start using XRP more widely, especially for high-volume settlements, we could see a significant price jump.
To explore how far this could go, TheCryptoBasic asked ChatGPT to model different outcomes based on SWIFT fully integrating XRP into its system. The idea is simple: if XRP becomes the bridge asset for most of the world’s financial transactions, what kind of price would it need to reach to actually support that role?
Here’s $XRP Price if It Is Adopted by SWIFT as a Liquidity Layer.🧵🧵🧵 pic.twitter.com/K6NVUpB1mF
— TheCryptoBasic (@thecryptobasic) July 9, 2025
🧠 Breakdown of the 3 Models Presented by ChatGPT:
The first model looked at the amount of liquidity XRP would need to handle SWIFT’s $150 trillion volume. It introduced the concept of token velocity – basically, how often each XRP coin is used in a transaction throughout the year.
If each token is used ten times annually, XRP would need to be priced around $250 to support that level of activity. If the token velocity increases, the price needed would be lower. But $250 is presented as a balanced, middle-ground estimate.
Then comes the idea of XRP being more than just a transactional token. If investors start treating it like a store of value – something they want to hold long-term like gold or U.S. Treasuries – it could gain a premium on top of its utility value.
ChatGPT suggested that with just a 25% premium, the price could rise to $312.50. And if investor confidence skyrockets and the premium hits 100%, we could see XRP trading as high as $500.
Another angle the thread explored was XRP reaching the market cap of major monetary systems. For example, if XRP matched the $5 trillion float that SWIFT is estimated to operate with, the price could land somewhere around $83 per token.
This is a much more conservative figure compared to the others, but it adds context to how large the opportunity could be.
Pulling all the models together, ChatGPT gave a final price range of $250 to $500 if XRP were to become SWIFT’s core liquidity layer and gain investor trust as a long-term asset. These numbers are far beyond XRP’s current levels, but they help highlight just how big the upside might be – if everything aligned perfectly.
Of course, this is still speculation. SWIFT hasn’t announced any plans to adopt XRP, and there are many challenges – technical, regulatory, and institutional – that would need to be addressed first. But for the XRP community, this thread offers a compelling glimpse into what might be possible if the stars align.
Is it realistic? Maybe not in the near term. But it’s a scenario worth watching, especially as the conversation around tokenized finance and cross-border liquidity continues to evolve. And for XRP holders, it’s another reason to keep their eyes on the big picture.
Read also: Expert Predicts the Biggest Blow-Off Rally Yet for XRP Price
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