An analyst has damaged down how XRP value might cross the $900 mark if it captures 14% of SWIFT’s $1.5 quadrillion in annual transaction flows.
For context, the suggestion that XRP might take over this a lot quantity from SWIFT initially got here from Ripple CEO Brad Garlinghouse in June.
Now, XRP analyst Diana has introduced renewed consideration to this declare, utilizing it to argue for an aggressive triple-digit value goal for the coin.
$210T Shifting By the XRP Ledger
Notably, Garlinghouse’s five-year outlook comes as real-world asset tokenization, stablecoin growth, exchange-traded funds (ETFs), and central financial institution digital currencies (CBDCs) are seeing their highest ranges of adoption.
Amid this, Diana means that XRP may gain advantage from a historic liquidity wave that pushes its value to unprecedented factors.
Notably, she claimed that SWIFT strikes $1.5 quadrillion in annual fee flows, though stories of $150 trillion yearly are extra widespread. Utilizing the formidable $1.5 quadrillion determine, capturing 14% would imply about $210 trillion in transactions transferring via the XRP Ledger.
To XRP proponents, such a scale of quantity could be a game-changer for the coin, buying and selling underneath $3 as we speak.
“All of the Cash” Narrative
Moreover, Diana claimed that Ripple’s community is already in talks throughout a number of large-scale monetary sectors. She cited varied valuations for financial flows that main establishments supposedly course of yearly.
Particularly, the analyst referenced DTCC settlements of round $3 quadrillion. Notably, Ripple’s connection right here is thru its acquired prime dealer, Hidden Street.
World banks (U.S. and Japan) maintain $37.5 trillion in deposits. The corporate has extensively identified partnerships with companies like BNY and SBI.
Diana additionally talked about Visa, Mastercard, and American Specific, which deal with $26 trillion in annual funds, in addition to tokenization markets projected to achieve trillions this decade.
To XRP supporters, these connections strengthen the argument that XRP is positioned to develop far past retail hypothesis, turning into a spine for high-value institutional flows.
3️⃣ THE “ALL THE MONEY” NARRATIVE 💣
XRP isn’t simply knocking on SWIFT’s door.
It’s already sitting throughout a number of tables:• DTCC → ~$3Q in settlements
• World banks (U.S. + Japan) → $37.5T deposits
• Visa/Mastercard/AmEx → $26T funds
•…— Diana (@InvestWithD) September 12, 2025
Breaking Down the XRP $943 Worth Math
In line with Diana’s calculations, capturing simply 1% of the estimated $530 trillion in world monetary flows might indicate an XRP value close to $96.
In a extra formidable state of affairs, with a 5.6 billion “efficient” circulating provide and 14% of SWIFT flows, the value might theoretically surge towards $943 per XRP.
For a coin buying and selling underneath $3 as we speak, this initiatives a 314x return that may flip a 2,000 XRP portfolio into over $1.8 million.
She stated even smaller participation, similar to 0.1% of worldwide flows, would equate to a possible valuation of about $9.60 per token, underscoring the dimensions of the chance.
“Simply Wishful Considering”
In the meantime, this aggressive prediction by Diana has attracted important consideration within the crypto group, with many laughing it off.
Whereas the numbers stay speculative, the state of affairs highlights what many long-term XRP supporters envision. Different XRP commentators have leveraged related analyses to even name for loftier costs past $10,000.
Exterior the XRP group, nonetheless, many dismiss these analyses as wishful considering or outright “BS.”
lol what is that this bs
— Supreme (@supremebeme) September 12, 2025
DisClamier: This content material is informational and shouldn’t be thought of monetary recommendation. The views expressed on this article could embrace the writer’s private opinions and don’t mirror The Crypto Primary opinion. Readers are inspired to do thorough analysis earlier than making any funding selections. The Crypto Primary shouldn’t be liable for any monetary losses.
