The price of XRP could potentially rise significantly if it replaces SWIFT as the primary system for international financial transfers. XRP has impressive utility in the payment sector due to its underlying blockchain, the XRP Ledger. However, it needs to secure broad adoption across global financial institutions, which is a challenge considering SWIFT's established network and trust. Gaining regulatory clarity, especially in the U.S., is also a major hurdle. To compete with SWIFT, the XRPL needs to scale to handle large transaction volumes and maintain substantial liquidity in major fiat currencies. If XRP handled a portion of SWIFT's transaction volume, its market cap would need to increase significantly, potentially reaching a valuation of $10 trillion. This could push the price of XRP into the hundreds of dollars or even reach $1,000 if it fully replaces SWIFT. However, trust, stability, and volatility remain significant challenges for XRP's adoption by financial institutions.



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