A strong statement from Ripple CEO Brad Garlinghouse has sparked major discussion around XRP’s long-term potential. According to him, $XRP could eventually handle up to 14% of SWIFT’s annual transaction flows within the next five years.
To put that into perspective, SWIFT processes around $1.5 quadrillion in transactions every year. Fourteen percent of that would equal roughly $210 trillion in value flowing through XRP-powered rails a number far larger than the GDP of most countries.
If even a small portion of those flows required XRP liquidity, price dynamics would look very different from previous market cycles. The conversation quickly moves beyond targets like $3 or $10 and into much larger theoretical valuations.
Some simplified projections suggest:
Capturing 0.1% of global payment flows could imply XRP prices around $9–$10
At 1%, estimates rise toward $90+
In a high-demand scenario with limited circulating supply, prices could theoretically reach triple-digit levels
Garlinghouse’s “5 years, 14%” comment reflects Ripple’s belief that adoption is accelerating faster than many expect. While these are projections not guarantees they highlight how even small market share gains in global payments could have an outsized impact on XRP’s valuation.
As always, this is a long-term vision, not a price prediction.
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