Will XRP Take Down SWIFT and Make Bank or Just Make Coffee?

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In the bustling bazaar of cryptocurrency, the XRP faithful are buzzing louder than a mosquito at a nudist colony after Ripple’s CEO, Brad Garlinghouse, announced that his grand plan isn’t to cozy up with SWIFT but to karate-chop the old-timer right off the throne of cross-border payments—a throne currently drenched in a trillion dollars’ worth of transactional confetti. If this coup de crypto works, buckle up: XRP price might just burst through the roof like an overenthusiastic toast popping up. But exactly how high could it fly? Let’s take a wobbly ride on this financial rollercoaster.

XRP Price Today

Right now, XRP is trading at $2.28—which, for those keeping score, means it’s about as stable as a cat on a Roomba—with a daily high of $2.35 and a low of $2.25. The second-largest altcoin has strutted its stuff by making a “higher high,” (financial speak for “Hey look, I’m climbing!”) sparking trader excitement that maybe—just maybe—it’ll slay market uncertainty like a dragon with a particularly grumpy disposition and push its way onward and upward.

Yet, despite XRP lounging near weekly highs, trading volumes took a little snooze, dipping 4% to $3.9 billion, according to CoinMarketCap. This dip suggests that the ProShares XRP ETF excitement might be tapering off faster than your phone’s battery after a Netflix binge. Still, Garlinghouse’s empire-building spiel about giving SWIFT a modern-day lobotomy could well be the rocket fuel for the next bull run.

Ripple Wants To Capture SWIFT’s Trillion-Dollar Cross-Border Payments Industry

During a riveting chat with Fox Business (you know, where people talk business and occasionally yawn), Ripples’ head honcho described a “massive” opportunity—a term which in crypto circles can mean anything from “bankrupting your grandma” to “jackpot.” Despite SWIFT reigning as the grumpy old king of cross-border payments, Ripple insists there’s a chink in its armor—namely, that SWIFT’s tech is circa 1974 and could use a serious upgrade, sort of like swapping your Nokia brick for a shiny smartphone.

“The market opportunity here is massive. You have trillions of dollars flowing across borders globally. It’s still dominated by the SWIFT network, and that’s a technology architecture that was developed 50 years ago. There is an opportunity to modernise.”

Translation: Ripple hopes to stomp in with blockchain wizardry, kick SWIFT’s vintage computer to the curb, and supercharge cross-border payments. If they pull this off, XRP’s price might resemble a firework show on New Year’s Eve.

How High Can XRP Price Rise?

If Ripple somehow manages to snag a slice of the $194 trillion (yes, trillion with a ‘T’) pie that is global cross-border payments—which might balloon to $320 trillion by 2032—XRP’s value could rocket like it’s been fueled by pure ambition and a dash of caffeine. Of course, SWIFT has been in the game longer than some countries have existed, so this isn’t an overnight heist; it’s more like a slow-mo bank robbery.

Even if Ripple snags just $20 trillion (which is roughly what you’d spend if you had to buy a yacht for everyone on Earth), the XRP price could go kaboom. Analyst Grok3 crunched numbers using liquidity and XRP’s 58 billion circulating tokens and declared,

“If XRP captures $20 trillion of the $194 trillion global cross-border payments industry, its price could rally to approximately $48.89 per token based on utility-driven demand.”

Meanwhile, DeepSeek dreams a slightly less extravagant dream, suggesting that Ripple’s conquest would lure banks and payment providers like bees to honey, hurtling XRP’s price skyward—up to $34 a token. So, whether it’s a moon mission or a stratospheric hop, it’s looking like XRP could jump fifteenfold faster than you can say “blockchain.”

If Ripple can outfox the ancient SWIFT network and grab even a modest slice of the cross-border payments pizza, XRP’s price might explode with the kind of enthusiasm usually reserved for cats chasing laser pointers and investors chasing FOMO. Process $20 trillion annually, and you’re looking at a token that doesn’t just rise—it dominates, leaving other cryptos wondering if they took a wrong turn at the multiverse.

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2025-04-29 13:03