如果Ripple處理Swift的15％，XRP值多少？

各種加密項目正在預測潛在的增長指標。例如，Ripple長期以來一直被視為Swift的挑戰者。

Various crypto projects are projecting potential growth metrics. For example, some believe that Ripple could become a major competitor to SWIFT, facilitating a high volume of global transactions.

各種加密項目正在預測潛在的增長指標。例如，有些人認為Ripple可能會成為迅速的主要競爭對手，從而促進了大量的全球交易。

If this scenario plays out and Ripple manages to handle 15% of SWIFT’s global transaction volume, what could be the implications for the XRP price?

如果這種情況呈現出來並設​​法處理Swift全球交易量的15％，那麼對XRP價格有什麼影響？

A post by TheCryptoBasic on X delves into this possibility further, providing a breakdown of how XRP might benefit if it becomes a key player in cross-border payments and what this could mean for the token’s value. The post uses insights from Ripple’s CEO Brad Garlinghouse and CTO David Schwartz to examine this scenario.

Thecryptobasic在X上發表的帖子進一步探討了這種可能性，提供了XRP的細分，如果它成為跨境支付的關鍵參與者，以及這對代幣的價值可能意味著什麼。該帖子使用Ripple首席執行官Brad Garlinghouse和CTO David Schwartz的見解來檢查這種情況。

At the 2025 XRPL Apex event in Singapore, a journalist asked both Garlinghouse and Schwartz how much of SWIFT’s transaction volume the XRP Ledger could realistically handle in the next five years.

在新加坡舉行的2025年XRPL Apex活動中，一位記者問Garlinghouse和Schwartz在未來五年內，Swift XRP Ledger實際上可以處理多少Swift的交易量。

In response, Garlinghouse said it was realistic for XRPL to handle about 14% of SWIFT’s total volume in the coming years. TheCryptoBasic highlighted that although some earlier calculations used $5 trillion per day in transaction volume, a more accurate estimate from Forbes put SWIFT’s annual volume at around $150 trillion.

作為回應，Garlinghouse表示，XRPL在未來幾年內處理Swift總量的14％是現實的。 Thecryptobasic強調，儘管一些較早的計算每天使用5萬億美元的交易量，但福布斯的更準確估計使Swift的年度量約為150萬億美元。

If XRPL captures 14% of that $150 trillion, it means roughly $21 trillion yearly volume flowing through the XRP Ledger.

如果XRPL捕獲了這筆1500萬億美元的14％，則意味著每年大約流經XRP Ledger的每年大約21萬億美元。

To put this in perspective, if each XRP token is used 30 times a year, the network would need a liquidity pool of around $700 billion to support the full $21 trillion in volume at the token price at the time of writing, which is $2.24.

考慮到這一點，如果每個XRP代幣每年使用30次，則該網絡將需要大約7000億美元的流動性庫來支撐整個21萬億美元的量，以書寫時的標記價格為2.24美元。

According to OpenAI’s ChatGPT, which TheCryptoBasic mentioned in its post, this means that to reach the required liquidity at the current circulating supply of 58.81 billion tokens, XRP’s price would need to rise to about $11.90.

根據Openai的Chatgpt的說法，eCryptobasic在其帖子中提到，這意味著要在當前循環供應588.1億代幣時達到所需的流動性，XRP的價格將需要上漲至11.90美元。

However, this is just the base value. If the market begins to value XRP at 1.5 times its base utility due to speculation and/or strong institutional interest, then the price could climb even further to $17.85. And if that multiplier reaches 2 times, then XRP might reach as high as $23.81.

但是，這只是基本價值。如果由於猜測和/或強大的機構利益，市場開始將XRP評估為其基本公用事業的1.5倍，那麼價格可能會進一步上漲至17.85美元。如果該乘數達到2次，則XRP可能高達$ 23.81。

These calculations depend on key assumptions, such as XRP continuing to be the main asset used for XRPL’s liquidity functions and the 30x yearly turnover rate remaining accurate. If XRP circulates faster than that, the network would require a smaller liquidity pool, and the necessary price per token would be lower.

這些計算取決於關鍵假設，例如XRP繼續是XRPL流動性功能的主要資產，並且每年30倍的周轉率保持準確。如果XRP循環速度快，則網絡將需要較小的流動性池，並且每個令牌所需的價格將較低。

Overall, this scenario shared by TheCryptoBasic offers an interesting angle on Ripple’s future and XRP’s price outlook, based on a real-world estimate of SWIFT’s volume and a conservative model of how often XRP is reused. It also includes speculative layers that could make the price go higher depending on demand and adoption.

總體而言，基於對Swift的數量的真實估計，以及對XRP的經常重複使用的保守模型，TheCryptobasic共享的這種情況為Ripple的未來和XRP的價格前景提供了一個有趣的角度。它還包括投機層，可以根據需求和採用，可以使價格更高。

If Ripple does manage to handle even 14 to 15% of SWIFT’s global transaction volume and if XRP stays at the center of that system, then prices in the $12 to $24 range are not out of reach.

如果Ripple確實可以處理Swift全球交易量的14％至15％，並且XRP留在該系統的中心，那麼12到24美元的價格就不會達到障礙。

Still, this is just one potential path. What matters now is whether Ripple’s adoption continues to grow and whether XRP maintains its role in the ecosystem. As TheCryptoBasic concluded in the post, the next few years will be key to seeing how much value XRP can really deliver.

儘管如此，這只是一條潛在的道路。現在重要的是，波紋的採用是否繼續增長，以及XRP是否在生態系統中保持其作用。正如Thecryptobasic在帖子中得出的結論，接下來的幾年將是查看XRP真正可以交付多少價值的關鍵。