The XRP community was again stirred following bold remarks from a well-known financial expert, who projected a massive price surge for the token if it replaces SWIFT.
DigitalG, a former London-based fund manager and long-time XRP supporter, stated that the token could rise above $15,000 should it take over SWIFT’s role in global payments.
According to the expert, this valuation hinges on XRP absorbing the transaction volume currently processed by SWIFT, which connects over 11,000 financial institutions across more than 200 countries.
How XRP Could Disrupt SWIFT’s Dominance
SWIFT’s Limitations:
- Processes $5 trillion daily via correspondent banks, leading to delays and high costs.
Ripple’s Solution:
- Uses XRP through its On-Demand Liquidity (ODL) platform for near-instant, low-cost cross-border transactions.
- Eliminates intermediaries, making it ideal for emerging markets.
👉 Discover how XRP’s technology compares to traditional systems
Key Factors Supporting XRP’s Price Potential
- Divisibility: XRP can be broken into "drops", enabling microtransactions.
- Scalability: Capable of handling high transaction volumes with minimal fees.
- Adoption: Endorsements from institutions like Houlihan Lokey and Morgan Creek Capital signal growing trust.
Challenges Ahead
Despite optimism, XRP faces hurdles:
| Barrier | Detail |
|---------------------------|---------------------------------------------------------------------------|
| Technical Scaling | Must prove reliability under global demand. |
| Regulatory Uncertainty| Ongoing SEC lawsuit dampens institutional confidence. |
Industry Perspectives
- Mark Yusko (Morgan Creek CEO): Bullish on XRP post-regulatory clarity.
- DigitalG’s Take: Large-scale adoption could justify five-figure valuations.
FAQ
Q: How realistic is a $15,000 XRP price?
A: Highly speculative; depends on SWIFT-level adoption and regulatory resolution.
Q: What advantages does XRP have over SWIFT?
A: Faster settlements, lower costs, and no intermediary banks.
Q: Could Ripple’s legal issues derail XRP’s growth?
A: Yes, but partnerships like Houlihan Lokey’s suggest resilience.
👉 Explore XRP’s future potential in global finance
While the $15,000 target remains ambitious, XRP’s utility in cross-border payments keeps it a focal point in crypto’s evolution. Regulatory developments and technical scalability will determine its long-term trajectory.