The XRP community was again stirred following bold remarks from a well-known financial expert, who projected a massive price surge for the token if it replaces SWIFT.
DigitalG, a former London-based fund manager and long-time XRP supporter, stated that the token could rise above $15,000 should it take over SWIFT’s role in global payments.
According to the expert, this valuation hinges on XRP absorbing the transaction volume currently processed by SWIFT, which connects over 11,000 financial institutions across more than 200 countries.
The daily transaction volume of $5 trillion processed by SWIFT depends on correspondent banks, which creates delays and higher settlement costs.
Ripple achieves an alternate payment structure with XRP via its On-Demand Liquidity (ODL) service platform. Through its XRP protocol, the solution delivers nearly instantaneous cross-border transactions at reduced cost by eliminating intermediaries.
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According to its advocates, this method works well for contemporary financial operations, particularly within growing markets.
DigitalG emphasized that XRP’s structure supports such a price increase due to its ability to be divided into smaller units called “drops.” This feature, combined with a potential spike in global utility, could justify a valuation in the five-figure range if XRP is adopted on a large scale.
Scaling and Legal Uncertainty Could Delay Price Realization
Despite the excitement sparked by the expert’s prediction, several critical barriers still stand in the way. Ripple must prove that its system can handle global transaction volumes reliably and efficiently.
Although XRP currently supports fast and low-cost transactions, maintaining that level of performance under significantly higher demand would require further technical improvements.
XRP faces ongoing obstacles as regulatory uncertainty persists, with Ripple’s legal battles against the U.S. Securities and Exchange Commission continuing to erode institutional trust. The industry approaches XRP’s adoption cautiously because of the pending legal settlement.
Even with its current legal challenges, XRP has won endorsements from critical financial institutions. In 2024, the global investment bank Houlihan Lokey declared Ripple as one of the main challengers to SWIFT on their industry list.
The CEO of Morgan Creek Capital Management, Mark Yusko, voiced support for XRP investment after regulatory circumstances showed improvement.
While the $15,000 target remains speculative, the statement from DigitalG has reignited interest in XRP’s potential as a global financial tool. As the debate continues, all eyes remain on Ripple’s progress and the evolving regulatory environment that could shape XRP’s future.
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