XRP價格可能會在五年內捕獲Swift市場份額的14％，目標價格為100至500美元。

高管在6月11日在新加坡舉行的XRP Apex 2025活動的這一評論引起了XRP社區關於如何影響XRP估值的猜測。

The crypto market never fails to surprise. This time, it’s Ripple (XRP) that has the community buzzing with an ambitious goal: to capture 14% of SWIFT’s market share in five years.

加密市場永遠不會感到驚訝。這次，是Ripple（XRP）的社區嗡嗡作響的目標是一個雄心勃勃的目標：在五年內佔據了Swift市場份額的14％。

This comment from the executive at XRP APEX 2025 event in Singapore on June 11 has sparked discussion among the XRP community about how it could impact the valuation of XRP. Trading at $2.32 as of June 11, 2025, XRP’s market cap stands at $136.82 billion. So, if Ripple’s XRP captures 14% of SWIFT’s market share, how high could XRP price rise?

高管在6月11日在新加坡舉行的XRP Apex 2025活動的這一評論引發了XRP社區之間的討論，內容涉及如何影響XRP的估值。截至2025年6月11日，XRP的市值為2.32美元，為1368.2億美元。因此，如果Ripple的XRP捕獲了Swift市場份額的14％，那麼XRP價格的上漲有多高？

How XRP Can Capture SWIFT’s $5 Trillion Daily Market Share?

XRP如何捕獲Swift的每日5萬億美元市場份額？

According to the latest SWIFT data, the payments giant processes 44.8 million FIN messages daily, facilitating roughly $5 trillion in transactions a day. Annually, SWIFT processes $1.25 quadrillion.

根據最新的SWIFT數據，付款巨頭每天處理4480萬條鰭消息，每天促進約5萬億美元的交易。每年，Swift處理1.25億美元。

If Ripple’s XRP could capture 14% of SWIFT’s market share, it would amount to $700 billion volume on a daily basis. But is this possible and what impact could it have on XRP price?

如果Ripple的XRP可以捕獲Swift市場份額的14％，則每天將達到7000億美元的數量。但是，這可能是可能的，它對XRP價格產生什麼影響？

Although SWIFT has been the backbone of global cross-border payments since 1973, its legacy infrastructure is criticized for slow settlement times and high costs due to intermediaries. Ripple’s CEO, Brad Garlinghouse, also added, “Think less about messaging… and more about liquidity. If you’re driving all the liquidity—that’s good for XRP.”

儘管Swift自1973年以來一直是全球跨境支付的骨幹，但由於中介機構而引起的定居時間緩慢和高昂的成本，其傳統基礎設施受到批評。 Ripple的首席執行官布拉德·加林豪斯（Brad Garlinghouse）還補充說：“對消息傳遞的思考更少，而更多地談論流動性。如果您正在駕駛所有流動性，那對XRP有好處。”

Using Ripple’s key product – On-Demand Liquidity (ODL) that leverages XRP token for settlements on the XRP Ledger, Ripple aims to finalize transactions in seconds, with a 0.1% error rate compared to SWIFT’s 6%. This efficiency is a key aspect that could help Ripple capture 14% of SWIFT’s volume, equating to $750 billion daily, and drive significant XRP price potential.

使用Ripple的關鍵產品 - 按需流動性（ODL）利用XRP令牌用於XRP Ledger上的定居點，Ripple的目的是在秒內完成交易，而誤差率為0.1％，而Swift的6％則為0.1％。這種效率是一個關鍵方面，可以幫助波紋捕獲Swift量的14％，相當於每天7500億美元，並推動XRP的巨大價格潛力。

XRP Price If It Captures 14% of SWIFT’s Market Share

XRP價格捕獲了Swift市場份額的14％

For Ripple to capture 14% of SWIFT’s market share in five years, multiple factors need to be considered. But for the sake of argument, let’s ignore everything and also consider the pure impact of Ripple’s XRP helping leverage $700 billion on a daily basis and estimate the impact on its price.

為了使Ripple在五年內捕獲Swift市場份額的14％，需要考慮多個因素。但是，為了爭論，讓我們忽略一切，也考慮Ripple的XRP的純粹影響，每天幫助利用7000億美元，並估算其價格的影響。

According to Grok AI, capturing 14% of SWIFT’s $5 trillion daily volume would require substantial XRP adoption. With a circulating supply of 58.82 billion XRP and a total supply of 99.99 billion, absorbing $700 billion daily would demand a massive increase in XRP’s market cap.

根據Grok AI的說法，捕獲Swift每日5萬億美元的14％的每日數量將需要大量採用XRP。循環供應量為588.2億XRP，總供應量為99.9億，每天吸收7000億美元，將要求XRP的市值大幅度增加。

Grok notes that, “even 1% of SWIFT’s volume ($50 billion daily) could push XRP’s price to $35.80, assuming sufficient liquidity.” By scaling this to the Ripple CEO’s “14% market share,” it could easily propel “XRP price in the $100-$500 range,” says Grok. The LLM clearly notes that this is “speculative and depends on adoption rates.”

Grok指出，“即使是Swift的1％（每天500億美元）的1％也可以將XRP的價格提高到35.80美元，假設有足夠的流動性。”通過將其擴展到Ripple首席執行官的“ 14％的市場份額”，它很容易將“ XRP價格推向100-500美元之間，” Grok說。 LLM清楚地指出，這是“投機性的，取決於採用率”。

However, it has not stopped the XRP community from being enthusiastic about the recent comments from the Ripple executive. Posts on X reflect this optimism, with users like @TheCryptoSquire noting, “XRP isn’t sleeping. It’s loading,” projecting a 2.8% annual growth to reach the 14% target provided by Garlinghouse. These are unverified claims and should be treated cautiously.

但是，它並沒有阻止XRP社區對Ripple主管最近的評論充滿熱情。 X上的帖子反映了這種樂觀情緒，@TheCryptoSquire之類的用戶指出：“ XRP不睡覺。它正在加載，”預計年增長2.8％，以達到Garlinghouse提供的14％目標。這些是未驗證的主張，應謹慎對待。

While Grok provides a broad perspective, DeepSeek AI delves deeper, presenting base, conservative and bull cases to determine the impact on XRP price if it captures 14% of SWIFT’s market share. The LLM calculates the velocity of the token using the current daily volume of $2.67B and $132B market capitalization. Based on velocity, DeepSeek calculates that there is a 262x increase needed in utility volume to handle the $700 billion daily captured market share. Here are the three price projections from DeepSeek:

儘管Grok提供了廣泛的視角，但DeepSeek AI會更深入地研究基礎，保守和公牛案件，以確定XRP價格捕獲Swift的14％的市場份額，以確定對XRP價格的影響。 LLM使用當前的每日2.67b $ 2.67b和132B美元的市值計算令牌的速度。基於速度，DeepSeek計算出，公用事業量需要增加262倍，以處理每日捕獲的7000億美元的市場份額。這是DeepSeek的三個價格預測：

DeepSeek concludes by adding, “The math shows ambition, but execution risk is extreme. At current prices, XRP offers asymmetric upside IF Ripple delivers on liquidity infrastructure. Technical traders should watch the $2.50 monthly close level for confirmation of institutional accumulation.”

DeepSeek總結說：“數學表現出野心，但執行風險是極端的。如果Ripple在流動性基礎設施方面提供了不對稱的上空，則XRP會提供不對稱的上行空間。技術交易者應每月關閉$ 2.50的每月關閉水平，以確認機構積累。”

Key Factors Driving XRP Price Potential

推動XRP價格潛力的關鍵因素

As discussed above, there are a few key factors that would influence how quickly and high XRP price could rise if it is facilitating 14% of SWIFT’s transactions. These include:

如上所述，如果促進Swift交易的14％，則有一些關鍵因素會影響XRP價格的速度和高價格可能會上漲。其中包括：

The rate at which institutional investors adopt XRP will be critical for driving up the price.

機構投資者採用XRP的比率對於提高價格至關重要。

If there is a shortfall in liquidity, it could limit the volume of transactions XRP can handle, which would

如果流動性短缺，它可能會限制XRP可以處理的交易量，這將