 
 
As the worldwide monetary system evolves in direction of sooner and extra environment friendly cost options, XRP has emerged as a possible disruptor to SWIFT, the longstanding chief in cross-border transactions.
Notably, the most recent hypothesis on XRP’s potential to overhaul SWIFT has reignited debate, pushed by a daring declare from DigitalIG, a former London-based fund supervisor and outspoken XRP advocate.
“When XRP replaces SWIFT, will probably be valued past $15,000 per token,” he tweeted Saturday.
He highlighted that XRP’s design permits for such valuations, as every token may be divided into 1,000,000 smaller items often known as drops.
Since its institution in 1973, SWIFT has been the spine of worldwide finance, connecting over 11,000 monetary establishments throughout greater than 200 international locations. It processes over $5 trillion in transactions every day, translating to an annual quantity of roughly $1.25 quadrillion. Nonetheless, SWIFT’s reliance on a correspondent banking community typically ends in inefficiencies, delays, and excessive prices.
 
These limitations have led monetary establishments to discover different options, with Ripple and its native asset, XRP, rising as a powerful contender by offering real-time settlement utilizing XRP as a bridge foreign money. Transactions on RippleNet are accomplished inside seconds at a fraction of the fee related to SWIFT’s conventional multi-day course of.
That stated, the thought of XRP changing SWIFT has additionally been supported by varied monetary analysts, with some estimating that if XRP have been to deal with 5-10% of SWIFT’s annual transaction quantity, its value and market capitalization would want to rise considerably.
In October 2024, international funding financial institution Houlihan Lokey recognized Ripple as one among SWIFT’s strongest rivals, citing its On-Demand Liquidity (ODL) service as a key benefit. Moreover, in January 2025, Mark Yusko, CEO and CIO of the billion-dollar funding fund Morgan Creek Capital Administration, expressed curiosity in supporting XRP if it changed SWIFT.
Nonetheless, regardless of its potential, a number of hurdles have to be overcome for XRP to attain such a valuation. Regulatory readability stays a major impediment, significantly within the U.S., the place Ripple has been engaged in a prolonged authorized battle with the Securities and Alternate Fee (SEC). A good decision may increase institutional confidence in XRP and speed up adoption.
Scalability is one other vital issue. SWIFT processes huge transaction volumes every day, and for XRP to compete at this stage, the XRP Ledger (XRPL) have to be able to dealing with related hundreds reliably. Whereas the XRPL already permits fast settlements, additional enhancements in liquidity administration and infrastructure could be essential to match SWIFT’s scale. Ripple’s ODL service is actively addressing these challenges, however extra work is required earlier than XRP can totally change SWIFT.
