If XRP replaces SWIFT as the primary system for cross-border payments, its price could significantly rise, even despite the enormous market capitalization. This is due to the change in the very nature of token usage, where its value will be determined not by speculation but by real utility.
Possible reasons for growth:
1. Global transaction volumes: SWIFT processes about $5 trillion a day. If even a portion of this volume goes through XRP, the demand for the token will sharply increase.
2. Decrease in velocity: If banks and financial institutions start holding XRP reserves for liquidity, the available market supply will decrease, which will increase the price.
3. Transition from speculation to real use: Today, the market capitalization of cryptocurrencies is based on speculation. If XRP becomes a key tool for the global economy, the capitalization could exceed current expectations.
Forecasts:
XRP Price: If XRP will facilitate SWIFT transaction volumes, the price could easily reach $50–$100 and even higher.
However, such figures will require active use by billions of people and companies.
Market capitalization: The market capitalization could exceed several trillion dollars. This is not contrary to theory, as in such scenarios cryptocurrency serves as a key infrastructure element.
Limitations:
To implement such a replacement, full integration of XRP into the banking system will be required, which is accompanied by regulatory, technical, and political barriers.
Some financial systems may create alternatives (e.g., CBDC).
Conclusion:
If XRP replaces SWIFT, its price could rise to values that today seem unrealistic. But this will depend on demand, implementation, and available supply.
