SWIFT transfers around $150 trillion in cross-border payment messages each year, with settlement often taking three to five business days.
Three AI models project XRP at $4 to $12 if Ripple captures 1% of SWIFT’s $150K annual payment volume.
The price depends on how much the supply institutions block the settlement reserves versus keeping them in active circulation.
A recent study identified a single habit that doubled Americans’ retirement savings and moved retirement from dream to reality. Read more here.
Investors wonder: What if XRP captures even 1% of SWIFT? SWIFT handles approximately $150 trillion in cross-border payment messages each year. If XRP (CRYPTO: XRP) were to capture just 1% of this flow, it would mean $1.5 trillion in annual settlement volume passing through Ripple’s on-demand liquidity (ODL) rails.
We asked three AI models—ChatGPT, Claude, and Gemini—to simulate XRP’s SWIFT capture scenario using network data, liquidity behavior, and current adoption trends. AI XRP price predictions ranged from $2.50 to $20, depending on assumptions about the token’s velocity and institutional holdings. Here’s what drives these estimates.
24/7 Wall St. ·24/7 Wall St.
Despite $150 trillion moving annually, SWIFT settlement still takes three to five business days. Multiple correspondent banks add costs and delays at every step, and this friction leaves trillions parked as idle liquidity just to keep payments moving.
Ripple’s liquidity-on-demand model targets this inefficiency. XRP can bridge coins in seconds, reduce pre-funding needs and settle around the clock with no weekend breaks. The recent growth of Asian corridors shows that the system can handle volume without suffocating liquidity. If even a small fraction of SWIFT traffic moves to faster rails, the savings add up quickly.
We asked the AI models — ChatGPT, Claude and Gemini — to test a narrow XRP and SWIFT case: what if XRP-based ODL handles 1% of $150 trillion SWIFT, or $1.5 trillion in annual flows. The goal was to measure the actual demand for transactions using the current behavior of the network.
Inputs included the token’s average velocity of nearly 0.03, circulating supply around 60 billion, and corridor turnover that can recycle liquidity several times a day. We also forced the models to assume high levels of reuse in mature corridors such as the USD-MXN and EUR-Asia pairs. This limits net buying pressure and reflects how ODL already operates in practice.
Escrow balances have been excluded to focus only on liquid supply interacting with settlement flows. This framework isolates XRP’s role as a bridge asset – transaction volume driving demand into a realistic adoption path.
ChatGPT leaned towards transaction math rather than hype. Using XRP’s average velocity of nearly 0.03, it was estimated that $1.5 trillion in annual ODL flow would translate to about $100 billion to $200 billion in net annual demand after accounting for corridor reuse and daily turnover. High liquidity recycling keeps tokens circulating instead of sitting idle.
The model assumed that XRP would circulate several times a day in active corridors, which limits the effects of scarcity. Under these conditions, the price impact comes from steady absorption rather than sudden supply shocks. Its projected range placed the XRP price between $2.50 and $4 by the end of 2026, anchored by gradual institutional adoption and gauging Treasury demand.
Claude focused less on the daily rate and more on the behavior of the balance sheet. It assumed that if XRP-based ODL processes $1.5 trillion annually, banks would have working buffers to mitigate settlement risk. This could reduce 6 to 9 billion XRP, narrowing the available pool even with high corridor reuse.
The model has also grown in adoption momentum. After an initial share of 1%, network expansion could push usage to 2.5% within two years as new corridors bolster liquidity pools. In this setup, the quarterly depth increases to tens of billions, leaving fewer tokens available for open markets.
Claude’s pricing perspective reflected this constraint. It pegged the price of XRP between $5 and $10 by 2027, driven by slower token circulation, treasury hoarding and steady institutional flow, rather than short-term trading spikes similar to the institutional accumulation patterns driving XRP ETF demand.
The twins leaned toward the network’s rapid growth. It is assumed that XRP-based ODL could expand into more than 100 new corridors, pushing the annual flow of more than $1.5 trillion, while locking up almost 25% of the circulating supply in settlement reserves and institutional holdings. That reduction in supply, along with wider adoption, formed the backbone of its upper case.
The model also reduced the velocity to 0.02, arguing that banks and funds would hold larger balances as usage stabilizes. The depth of liquidity was projected to rise to $500 billion, making large routine transfers and reducing friction on key payment routes.
Under these conditions, Gemini placed the price of XRP in the range of $10 to $20, with the upper band linked to regulatory clarity and stronger inflows from exchange-traded products and corporate treasury participation.
Under a 1% XRP SWIFT capture scenario, the outcome depends on how much supply remains in motion versus how much is locked in long-term use. Three approaches span the range:
Three modeling approaches frame the range of results.
Metric
ChatGPT (conservative)
Claude (structural)
Twins
Flow vs Supply
Net demand of USD 100–200 billion
$500 billion with 10% locked up
1 T+ $ stacking
The impact of speed
High price for reusable caps
Partial blocking increases the price
Slower speed increases the deficit
Price range
$2.5 – $4
$5-$10
$10 – $20
Synthesis
5-25% absorbed
Moderate supply constraint
Aggressive blocking thesis
Integration limits and regulatory frictions mean adoption won’t happen overnight. But the infrastructure is already in place – Ripple’s ODL processed $1.3 billion in Q2 2025 alone.
Considering all three AI models, the balanced view places XRP price in a range of $4 to $12 in a 1% SWIFT capture scenario. This reflects steady institutional usage, moderate token blocking, and realistic transaction reuse across major corridors.
For more than a decade, investment advice to ordinary Americans has followed a familiar script: automate everything, keep costs low, and touch nothing. And more and more, investors are realizing this to be completely disabled also means to be completely disconnected.
This realization hits like a bolt of lightning when you realize not only how much better your returns could be, but that there are amazing offers out there, such as an app where new self-directed investment accounts funded with as little as $50 can receive up to $1,000 worth of shares.
Get your investment back and start earning real profits, your way.
