Ripple首席執行官Brad Garlinghouse概述了一個場景

在新加坡舉行的2025 XRPL Apex活動的演講中，加林豪斯建議XRP Ledger在未來五年內可以

Ripple CEO Brad Garlinghouse has revealed a scenario that could drastically increase the price of XRP.

Ripple首席執行官Brad Garlinghouse揭示了一種情況，可以大大提高XRP的價格。

Speaking at the 2025 XRPL Apex event in Singapore, Garlinghouse suggested that the XRP Ledger could, within the next five years, handle 14% of the transaction volume currently processed by the SWIFT financial network.

Garlinghouse在新加坡舉行的2025 XRPL Apex活動上發表講話時建議，在未來五年內，XRP Ledger可以處理Swift Financial Network當前處​​理的交易量的14％。

During a panel discussion, a journalist asked Garlinghouse and Ripple’s Chief Technology Officer, David Schwartz, how much of SWIFT’s global transaction volume the XRPL could realistically support by 2030.

在小組討論中，一位記者問加林豪斯和Ripple的首席技術官David Schwartz，到2030年，Swift的全球交易量可以在XRPL上實際支持。

Garlinghouse began by clarifying that SWIFT operates primarily as a messaging system, while the XRPL focuses on providing on-demand liquidity.

Garlinghouse首先澄清了Swift主要作為消息系統運行，而XRPL專注於提供按需流動性。

“We’re not talking about SWIFT messages; we’re talking about the transactions that are settled on-chain with liquidity. I think it’s possible that the XRP Ledger could move 14% of the transactions that SWIFT settles in a year.”

“我們不是在談論迅速的消息；我們正在談論以流動性解決的交易。我認為，XRP Ledger可能會將Swift一年結算的14％的交易轉移到一年中。”

SWIFT is commonly cited as moving $5 trillion daily, but this figure refers to message traffic rather than the value of settled transactions. A more conservative figure published by Forbes in 2023 estimates that SWIFT’s actual annual transaction volume is closer to $150 trillion.

Swift通常被認為每天移動5萬億美元，但該數字是指消息流量，而不是定居交易的價值。福布斯（Forbes）在2023年發表的一個更保守的數字估計，斯威夫特（Swift）的實際年度交易量接近150萬億美元。

Applying Garlinghouse’s 14% estimate to that figure, the XRPL would process approximately $21 trillion annually.

XRPL將Garlinghouse的14％估算值應用於該數字，每年將處理約21萬億美元。

To visualize how this level of volume could affect XRP’s price, we asked ChatGPT from OpenAI to analyze the numbers based on current market metrics.

為了形象化這種數量水平如何影響XRP的價格，我們詢問了OpenAI的Chatgpt，以基於當前的市場指標分析數字。

At the time of the projection, XRP was priced at $2.24, with a circulating supply of 58.81 billion tokens. This resulted in a market capitalization of roughly $131.9 billion. If the total supply of 100 billion XRP is considered, the fully diluted valuation would be around $224 billion.

在投影時，XRP的價格為2.24美元，循環供應588.1億代幣。這導致市值約為1319億美元。如果考慮總供應量為1000億XRP，則全面稀釋的估值約為2240億美元。

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XRP is designed for high-frequency transactions and is not significantly burned during use, which means it is recycled across multiple transactions. Therefore, its market value is shaped more by how often it circulates and how much liquidity is required to support transaction flow rather than by scarcity.

XRP是為高頻交易而設計的，在使用過程中沒有顯著燃燒，這意味著它在多個交易中被回​​​​收。因此，其市場價值的影響更大，它循環的頻率以及支持交易流量而不是稀缺性所需的流動性需要多少。

If each XRP token were to turnover 30 times per year, roughly once every 12 days, supporting $21 trillion in volume would require a liquidity base of about $700 billion. To meet this requirement with the current token supply, each XRP would need to be valued at approximately $11.90.

如果每個XRP令牌每年的營業額30次，大約每12天一次，支撐21萬億美元的交易量將需要大約7000億美元的流動性基礎。為了滿足當前令牌供應的滿足，每個XRP的價值約為11.90美元。

Additional market factors, such as institutional adoption and investor sentiment, could further increase the token’s valuation. Should speculative interest lead to a 1.5 times multiple of the required liquidity level, for instance, the token’s price could rise to around $17.85. And if the market valuation were to double the base liquidity estimate, the price per XRP could be as high as $23.81.

其他市場因素，例如機構採用和投資者的情緒，可以進一步提高令牌的估值。例如，如果投機性利息導致所需的流動性水平的1.5倍，則令牌價格可能會上升至17.85美元左右。如果市場估值將基本流動性估計值增加一倍，那麼每XRP的價格可能高達23.81美元。

It’s important to note that these projections rely on several conditions being met. Notably, XRP must remain the core asset for transactions on the XRPL, and the estimated turnover rate of 30 times per year must be maintained. If tokens circulate more frequently, the liquidity pool needed would decrease, potentially altering the price outlook.

重要的是要注意，這些預測取決於滿足的幾種條件。值得注意的是，XRP必須是XRPL交易的核心資產，並且必須保持每年30次的估計周轉率。如果代幣循環頻率更高，則需要的流動性池將減少，從而改變價格前景。

If Ripple’s forecast holds and XRPL becomes a major player in global liquidity, XRP could experience significant appreciation, with its value potentially rising to double digits.

如果Ripple的預測持有，而XRPL成為全球流動性的主要參與者，則XRP可能會引起人們的認識，其價值可能會增加到兩位數。

This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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