How High Could XRP Price Soar If Ripple Overtakes SWIFT?

Ripple has been working for years to revolutionize cross-border payments. Its cryptocurrency, XRP, promises faster, cheaper, and more efficient transactions

"How High Could XRP Price Soar If Ripple Overtakes SWIFT?" A recent video from Cheeky Crypto explored the possibility of Ripple taking on SWIFT and the surprising numbers that emerge.

The analyst, who prefers to remain anonymous, broke down the size of the prize and the key hurdles in this unique competitive landscape.

SWIFT processes about $5 trillion per day in transactions, which adds up to roughly $1.25 quadrillion each year. If Ripple were to capture 10% of that flow using XRP for cross-border payments, it would mean $125 trillion in transactions annually through Ripple’s network.

Considering the total supply of XRP is about 100 billion coins, even a conservative 10% market share for SWIFT’s market would put XRP price at around $100. In a more aggressive takeover scenario, where Ripple essentially replaces SWIFT, the analyst suggested XRP could theoretically hit prices around $1,000 per token.

Of course, the XRP price at the time of the post sits far below those figures. But the numbers aren’t just wild guesses.

The post adds that Ripple already boasts incredible transaction speeds (3–5 seconds) and extremely low fees (fractions of a cent) and has a tiny error rate (0.1%) compared to SWIFT’s 6%. These technical advantages make Ripple an attractive alternative for banks and financial institutions seeking modernization.

However, the analysis also touched upon the main obstacle: the SEC lawsuit against Ripple. This litigation has been a major barrier to major U.S. institutions adopting XRP, despite the pressing need for faster and cheaper cross-border payments.

Recently, there have been positive developments. According to the crypto YouTube channel, the SEC has reportedly dropped its main claims against Ripple. When that news broke, the XRP price immediately jumped nearly 14%, reaching close to $2.56 at the time.

The final stages of the legal battle are still playing out, but on a broader level, regulatory clarity is improving around the world. Europe’s MiCA regulations, the UK’s moves toward a digital pound, and institutions like the Bank for International Settlements (BIS) are pushing for greater integration of blockchain and crypto.

It’s also crucial to understand that even if Ripple prevails in the lawsuit and regulatory fears subside, the transition won’t be immediate.

Convincing the world’s banks to abandon SWIFT’s infrastructure, which has been in place for decades, will take time. Financial systems are like old cities; people aren’t keen on tearing up the roads unless they are completely sure the new plumbing works better and is more efficient.

But Ripple does have strong talking points. Its technology offers nearly instant settlement times, huge cost savings, energy efficiency, and compatibility with emerging systems like CBDCs (Central Bank Digital Currencies). In essence, the analyst compared Ripple to a “universal USB-C cable” capable of seamlessly connecting different financial systems, further boosting XRP’s real-world value.

In the broader scheme, Ripple has already begun making inroads. Through partnerships in countries like Japan, Mexico, and the Philippines, Ripple is already making a presence in the market share of financial institutions.

The post highlighted that a major turning point could come when a significant bank, like JPMorgan or HSBC, makes a public announcement about switching to RippleNet for its international transactions.

That bit of news would likely send the XRP price soaring even higher from where it sits today.

If we’re looking at the bigger picture with Patrick Bet-David’s projections, if Ripple captures just 10% of SWIFT’s market share, then a $100 XRP price is a realistic possibility.

And if Ripple were to capture the entire market in a complete takeover, then those four-digit XRP price dreams (like $1,000 and beyond) could come true, though that remains highly speculative at best.

At the time of the post, XRP’s market cap and price are still a fraction of those ambitious targets. But as history has shown, technological shifts often seem impossible until they happen. Blockbuster laughed at Netflix, and we all know how that turned out.

So, while a complete takeover of SWIFT might seem like a gargantuan task, it’s not an impossible one. Especially not in an age where institutions are increasingly turning to blockchain for solutions.

Instead of promising the moon, Ripple is offering a solution to a very old problem. And if even a portion of the world’s financial institutions choose speed, efficiency, and lower costs in their cross-border transactions, then Ripple and XRP could be standing at the front of a major financial revolution.

Whether you believe in $100 or $1,000 XRP, one thing is clear: this battle between Ripple and SWIFT is just getting started.