XRP’s Path to Massive Growth—5% of SWIFT’s Daily Volume Could Mean a Lot

• XRP would thrive significantly with mainstream adoption.
• Complementing SWIFT could be the pathway to XRP’s expansion.
• 5% of SWIFT’s daily volume could mean a lot for XRP’s development.

Mainstream adoption remains a crucial factor in the potential growth of XRP, and cryptocurrency supporters are focusing on how the digital asset can fit into the existing global payment system, rather than replacing it.

In the early days of cryptocurrency, many enthusiasts considered the technology a competition to traditional protocols. However, the maturing industry has revealed that most crypto solutions, including XRP, would better fit as complementary, rather than competitive tools in their ecosystems.

Related: XRP Price Prediction: Downtrend Holds As ETF Flows Turn Selective

Complement Over Competition

Considering this realization, recent discussions within the crypto community have increasingly focused on how XRP and the XRP Ledger can run alongside SWIFT, the dominant financial messaging network in the global payment landscape. For most XRP proponents, the cryptocurrency’s underlying attributes could play a significant role in enhancing speed, liquidity, and cost efficiency in transaction settlements.

Notably, Ripple executives have long presented XRP as a tool for improving cross-border payments rather than replacing existing systems. According to Ripple CEO Brad Garlinghouse, SWIFT infrastructure is functional but remains slow and expensive, particularly when executing international transfers.

Related: Evernorth CEO Explains Why XRP Is The Backbone For Finance

Similarly, Ripple CTO Emeritus David Schwartz claimed that blockchain-based settlements, such as his company’s XRP cryptocurrency, are designed to reduce intermediaries, shorten the time for settling transactions, and unlock liquidity trapped in traditional banking rails.

What a Portion of SWIFT’s Volume Could Mean for XRP

With those views, crypto community members are considering a scenario where XRP could handle a portion of the volume processed via SWIFT without necessarily replacing the messaging network. They speculate that processing a portion of SWIFT’s volume, which amounts to tens of millions of financial messages daily, could represent a significant growth for XRP.

For context, a 2022 report shows that the SWIFT network averaged approximately 44.8 million messages daily, with a conservative estimate of $5 trillion per day. Therefore, assuming 5% of this volume, which is equivalent to $250 billion, flows through XRP, it would represent 83 times the current volume of XRP’s daily transactions—$3 billion.

Applying a hypothetical simple proportion model projects XRP’s estimated price under such conditions at approximately $173, from a current price of $2.09, according to data from TradingView. It means that XRP’s price could surge 8,200%, with its market cap swelling into the multi-trillion-dollar range.