如果Ripple处理Swift的15％，XRP值多少？

各种加密项目正在预测潜在的增长指标。例如，Ripple长期以来一直被视为Swift的挑战者。

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.

各种加密项目正在预测潜在的增长指标。例如，有些人认为Ripple可能会成为迅速的主要竞争对手，从而促进了大量的全球交易。

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?

如果这种情况呈现出来并设法处理Swift全球交易量的15％，那么对XRP价格有什么影响？

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上发表的帖子进一步探讨了这种可能性，提供了XRP的细分，如果它成为跨境支付的关键参与者，以及这对代币的价值可能意味着什么。该帖子使用Ripple首席执行官Brad Garlinghouse和CTO David Schwartz的见解来检查这种情况。

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.

在新加坡举行的2025年XRPL Apex活动中，一位记者问Garlinghouse和Schwartz在未来五年内，Swift XRP Ledger实际上可以处理多少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.

作为回应，Garlinghouse表示，XRPL在未来几年内处理Swift总量的14％是现实的。 Thecryptobasic强调，尽管一些较早的计算每天使用5万亿美元的交易量，但福布斯的更准确估计使Swift的年度量约为150万亿美元。

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

如果XRPL捕获了这笔1500万亿美元的14％，则意味着每年大约流经XRP Ledger的每年大约21万亿美元。

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.

考虑到这一点，如果每个XRP代币每年使用30次，则该网络将需要大约7000亿美元的流动性库来支撑整个21万亿美元的量，以书写时的标记价格为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.

根据Openai的Chatgpt的说法，eCryptobasic在其帖子中提到，这意味着要在当前循环供应588.1亿代币时达到所需的流动性，XRP的价格将需要上涨至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，这只是基本价值。如果由于猜测和/或强大的机构利益，市场开始将XRP评估为其基本公用事业的1.5倍，那么价格可能会进一步上涨至17.85美元。如果该乘数达到2次，则XRP可能高达$ 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.

这些计算取决于关键假设，例如XRP继续是XRPL流动性功能的主要资产，并且每年30倍的周转率保持准确。如果XRP循环速度快，则网络将需要较小的流动性池，并且每个令牌所需的价格将较低。

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.

总体而言，基于对Swift的数量的真实估计，以及对XRP的经常重复使用的保守模型，TheCryptobasic共享的这种情况为Ripple的未来和XRP的价格前景提供了一个有趣的角度。它还包括投机层，可以根据需求和采用，可以使价格更高。

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确实可以处理Swift全球交易量的14％至15％，并且XRP留在该系统的中心，那么12到24美元的价格就不会达到障碍。

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.

尽管如此，这只是一条潜在的道路。现在重要的是，波纹的采用是否继续增长，以及XRP是否在生态系统中保持其作用。正如Thecryptobasic在帖子中得出的结论，接下来的几年将是查看XRP真正可以交付多少价值的关键。