Ripple CEO Eyes SWIFT’s Share—How High Can XRP Price Go?

• Ripple CEO Brad Garlinghouse highlighted the potential to revolutionize the cross-border payments market, valued at hundreds of trillions of dollars, through XRP and blockchain technology.
• Optimistic forecasts from AI and market research platforms suggest XRP could significantly appreciate if adopted for processing a substantial portion of the $20 trillion global payments market.

Speculation has intensified within the XRP community following recent comments by Ripple CEO Brad Garlinghouse regarding the company’s strategy in the global payments industry. Garlinghouse ditched the idea of a partnership with SWIFT, the king of international transactions. Instead, he made it clear that Ripple aims to surpass SWIFT.

Ripple CEO’s Bold Statement Amid SWIFT Partnership Rumors

Speaking during an appearance on Fox Business, Garlinghouse underscored Ripple’s vision for the future of international payments. “The market opportunity here is massive,” he remarked. “You have trillions of dollars flowing across borders globally. It’s still dominated by the SWIFT network, and that’s a technology architecture that was developed 50 years ago. There is an opportunity to modernise.”

This has created further discussions among traders and investors as it indicates that Ripple seeks to usher in a blockchain-driven overhaul of an industry still reliant on old age. By attempting to penetrate this sector, Ripple aims to reach the hundreds of trillions of dollars market.

Meanwhile, XRP, the digital currency associated with the payment protocol of Ripple, trades at $2.27 at present. Today, it peaked at $2.35, and its low price stood at $2.25. With such price fluctuations, trading activity seems to be tapering. Data from CoinMarketCap shows a drop of 36.88% in the trading volume, which has now decreased to $3 billion. This decline follows a wave of excitement triggered by news related to a ProShares XRP ETF.

Will XRP Price Bounce Back?

However, optimism surrounding Ripple’s ambitions could breathe new life into XRP price momentum. A recent higher high formation on the XRP chart is being closely watched by technical analysts as a potential signal of a bullish trend in the making, as highlighted in the previous story. 

Moreover, AI platforms are also modeling the possibility that the XRP could reap the benefits of wider use in global finance. The liquidity-based projection platform Grok3 looked into XRP’s circulating supply of 58 billion tokens. Its analysis suggests that if XRP were to be utilized in processing $20 trillion of the global cross-border payments market, the token’s value could reach approximately $48.89.

Also, market research firm DeepSeek has forecast a large tariff increase if banks and financial institutions use Ripple’s infrastructure. If XRP is in a situation where it is being used for utility-driven use in settlement, then it could climb to $34.

Of course, the efforts to replace SWIFT are a long road and even years (perhaps decades) is a little too optimistic for full replacement of SWIFT’s established network. Nonetheless, these forecasts highlight the upside on the valuation if Ripple could carve out a meaningful share of the cross-border payments business.