A new conversation within the XRP community centers around a big question: what would happen to the XRP price if SWIFT, the world’s largest financial messaging network, ever decided to use Ripple’s XRP as its global liquidity layer? The prospect is generating excitement and speculation. 2025 brought renewed interest after news of SWIFT’s blockchain plans fueled this discussion for years. Ripple co-founder Chris Larsen first discussed the idea in 2015 when he noted that Ripple’s technology enables real-time, currency-agnostic transactions between different payment networks. 2018 saw Ripple CTO David Schwartz affirm that SWIFT’s potential for blockchain adoption is both a threat and an opportunity for XRP. He highlighted the possibility of XRP acting as the settlement asset for payments processed via SWIFT. Ripple CEO Brad Garlinghouse has also spoken out in favor of this scenario, saying that SWIFT upgrades are only a fraction of what modern payment systems require. His statement regarding potential market share from SWIFT (which he anticipates capturing around 14% within five years) further fuels these discussions. The question is not if such integration would occur but rather the potential impact on XRP’s price. Imagine SWIFT replacing legacy systems with a system using XRP for settling payments. While banks will use similar payment instructions, the underlying mechanics would be significantly changed. Instead of relying on slow legacy systems, banks could convert currencies into XRP, transmit them across borders instantly, and then convert them back to the desired currency upon arrival, eliminating multi-day delays. This scenario has huge potential for increasing XRP’s utility and impact. A hypothetical study using Google Gemini’s models explores this scenario and its impact on XRP price. The model suggests a market cap of around $41.1 trillion for XRP to support SWIFT’s usage. If realized, this could translate to a price ranging from $1,000 to $1,500 per XRP, illustrating the potential rewards. However, the future is still uncertain as it depends on various factors including regulation, competition, and technology performance. Yet, the potential for growth is undeniable. For holders of XRP, this scenario presents a compelling case for a major price increase, potentially transforming their holdings into substantial profits if implemented. While this remains speculative, the numbers clearly show that significant price rises could be expected in the event SWIFT were to adopt XRP on such a scale. 70% of the current market cap is in circulation and ready to use, with Ripple’s ecosystem already supporting cross-border payments.