XRP价格可能会在五年内捕获Swift市场份额的14％，目标价格为100至500美元。

高管在6月11日在新加坡举行的XRP Apex 2025活动的这一评论引起了XRP社区关于如何影响XRP估值的猜测。

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.

加密市场永远不会感到惊讶。这次，是Ripple（XRP）的社区嗡嗡作响的目标是一个雄心勃勃的目标：在五年内占据了Swift市场份额的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日在新加坡举行的XRP Apex 2025活动的这一评论引发了XRP社区之间的讨论，内容涉及如何影响XRP的估值。截至2025年6月11日，XRP的市值为2.32美元，为1368.2亿美元。因此，如果Ripple的XRP捕获了Swift市场份额的14％，那么XRP价格的上涨有多高？

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

XRP如何捕获Swift的每日5万亿美元市场份额？

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.

根据最新的SWIFT数据，付款巨头每天处理4480万条鳍消息，每天促进约5万亿美元的交易。每年，Swift处理1.25亿美元。

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可以捕获Swift市场份额的14％，则每天将达到7000亿美元的数量。但是，这可能是可能的，它对XRP价格产生什么影响？

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.”

尽管Swift自1973年以来一直是全球跨境支付的骨干，但由于中介机构而引起的定居时间缓慢和高昂的成本，其传统基础设施受到批评。 Ripple的首席执行官布拉德·加林豪斯（Brad Garlinghouse）还补充说：“对消息传递的思考更少，而更多地谈论流动性。如果您正在驾驶所有流动性，那对XRP有好处。”

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的关键产品 - 按需流动性（ODL）利用XRP令牌用于XRP Ledger上的定居点，Ripple的目的是在秒内完成交易，而误差率为0.1％，而Swift的6％则为0.1％。这种效率是一个关键方面，可以帮助波纹捕获Swift量的14％，相当于每天7500亿美元，并推动XRP的巨大价格潜力。

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

XRP价格捕获了Swift市场份额的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.

为了使Ripple在五年内捕获Swift市场份额的14％，需要考虑多个因素。但是，为了争论，让我们忽略一切，也考虑Ripple的XRP的纯粹影响，每天帮助利用7000亿美元，并估算其价格的影响。

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.

根据Grok AI的说法，捕获Swift每日5万亿美元的14％的每日数量将需要大量采用XRP。循环供应量为588.2亿XRP，总供应量为99.9亿，每天吸收7000亿美元，将要求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500亿美元）的1％也可以将XRP的价格提高到35.80美元，假设有足够的流动性。”通过将其扩展到Ripple首席执行官的“ 14％的市场份额”，它很容易将“ XRP价格推向100-500美元之间，” Grok说。 LLM清楚地指出，这是“投机性的，取决于采用率”。

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，它并没有阻止XRP社区对Ripple主管最近的评论充满热情。 X上的帖子反映了这种乐观情绪，@TheCryptoSquire之类的用户指出：“ XRP不睡觉。它正在加载，”预计年增长2.8％，以达到Garlinghouse提供的14％目标。这些是未验证的主张，应谨慎对待。

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:

尽管Grok提供了广泛的视角，但DeepSeek AI会更深入地研究基础，保守和公牛案件，以确定XRP价格捕获Swift的14％的市场份额，以确定对XRP价格的影响。 LLM使用当前的每日2.67b $ 2.67b和132B美元的市值计算令牌的速度。基于速度，DeepSeek计算出，公用事业量需要增加262倍，以处理每日捕获的7000亿美元的市场份额。这是DeepSeek的三个价格预测：

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总结说：“数学表现出野心，但执行风险是极端的。如果Ripple在流动性基础设施方面提供了不对称的上空，则XRP会提供不对称的上行空间。技术交易者应每月关闭$ 2.50的每月关闭水平，以确认机构积累。”

Key Factors Driving XRP Price Potential

推动XRP价格潜力的关键因素

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，如果促进Swift交易的14％，则有一些关键因素会影响XRP价格的速度和高价格可能会上涨。其中包括：

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

机构投资者采用XRP的比率对于提高价格至关重要。

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

如果流动性短缺，它可能会限制XRP可以处理的交易量，这将