- XRP CEO Brad Garlinghouse predicts that the XRP Ledger could handle 14% of SWIFT’s $150 trillion annual transaction volume by 2030, potentially driving XRP’s price up to $11.90 based on liquidity needs.
- With additional market speculation and institutional adoption, XRP could surge even higher, reaching up to $23.81 per token.
XRP Bold Forecast: XRP Ledger Eyeing 14% of SWIFT Volume
In a compelling vision for the future of global finance, Ripple CEO Brad Garlinghouse dropped a headline-worthy projection at the 2025 XRPL Apex event in Singapore. According to Garlinghouse, the Ripple Ledger (XRPL) could capture 14% of SWIFT’s transaction volume within the next five years — a shift that could send XRP’s price soaring into double digits.
SWIFT, the global financial messaging network, is often cited as processing around $5 trillion daily. However, a 2023 Forbes report places its actual annual transaction volume at approximately $150 trillion. Applying Garlinghouse’s projection, XRPL could be handling $21 trillion annually by 2030.
Ripple Price Could Surge to $11.90 – Or Even $23.81
To estimate the impact of this volume on XRP’s price, we analyzed data based on current supply and usage. With Ripple priced at $2.24 and a circulating supply of 58.81 billion tokens, its market cap stood at $131.9 billion at the time of projection. When including the total supply of 100 billion Ripple, the fully diluted valuation reaches $224 billion.
But here’s where things get interesting: if each XRP token circulates 30 times per year, supporting the projected $21 trillion volume would require a liquidity base of $700 billion. This would place XRP’s price around $11.90.
Factor in speculative interest or institutional adoption, and the valuation could climb even higher. If the market cap rises to 1.5x the required liquidity, Ripple could hit $17.85. A 2x multiplier would send XRP to a staggering $23.81 per token.
What Needs to Happen for XRP to Hit These Targets?
Of course, these price predictions rest on a few key assumptions:
- XRP remains the core asset for XRPL transactions.
- The turnover rate stays at 30 times annually.
- XRPL secures and sustains institutional adoption for liquidity provision.
If those conditions are met, Ripple future may not just be bright — it could be explosive.
With Ripple’s roadmap becoming clearer and global financial infrastructure evolving, XRP may be on the cusp of a historic transformation — one that could redefine its value and role in the world economy.
