Can XRP Reach $100 if Ripple Replaces SWIFT?

Speculation around XRP’s long-term potential has intensified following comments from a former SWIFT executive suggesting that cryptocurrencies could eventually play a role in the global payments network. Former SWIFT CEO Gottfried Leibbrandt said the organization could welcome digital assets such as XRP once regulatory conditions stabilize, as reported by Coinpaper.

The remarks have reignited debate over whether Ripple’s technology and XRP itself could meaningfully disrupt SWIFT’s role in cross-border payments, and what that might mean for XRP’s valuation.

Why SWIFT and XRP are being mentioned together

SWIFT sits at the center of the global financial system, connecting thousands of banks and financial institutions for international transfers. Its infrastructure is reliable, but often slow and expensive compared to blockchain-based alternatives.

Ripple has positioned XRP as a bridge asset designed specifically for cross-border settlements. Transactions settle in seconds, fees are low, and transfers offer greater transparency than traditional correspondent banking. These advantages are frequently cited as reasons XRP could complement, or partially replace, existing systems.

Leibbrandt acknowledged this value proposition directly, noting that a big part of Ripple’s offering is the cryptocurrency XRP. At the same time, he emphasized that banks remain cautious due to volatility and regulatory uncertainty.

Regulatory clarity remains the key obstacle

The biggest barrier to XRP adoption at the institutional level is regulation. SWIFT operates in a highly regulated environment, and its member banks must comply with strict legal and compliance standards across multiple jurisdictions.

Cryptocurrencies like XRP still face inconsistent regulatory treatment globally, making large-scale adoption risky for conservative financial institutions. Until clearer frameworks are established, banks are unlikely to rely on volatile digital assets for settlement at scale.

This cautious stance helps explain why XRP’s technological strengths have not yet translated into universal banking adoption, despite years of development and partnerships.

Could SWIFT realistically adopt XRP?

Rather than a full replacement, analysts generally view integration as a more plausible scenario. SWIFT could incorporate blockchain-based rails or digital assets alongside its existing messaging infrastructure, especially if regulations become clearer and volatility declines.

Leibbrandt suggested that SWIFT is closely monitoring the crypto space and could act once conditions improve. With crypto market structure and clarity bills advancing in several regions, that shift is no longer viewed as unrealistic.

If XRP were to play a role in such a system, demand for the token could increase, but adoption would likely be gradual rather than immediate.

XRP price prediction: short-term outlook

While long-term speculation dominates headlines, near-term forecasts paint a more measured picture. The XRP price is currently around $2.38, with CoinCheckup’s XRP price prediction projecting a rise to approximately $2.70 by April 6, 2026.

XRP price prediction chart showing a 3-month forecast with a target price of $2.70. Source: CoinCheckup.

That move would represent a gain of about 13.7%, suggesting steady appreciation rather than explosive growth. The forecast range places XRP’s predicted high near $2.79, while the downside scenario sits around $2.29, indicating limited volatility expectations in the short term.

This outlook aligns with recent price action, where XRP has consolidated after earlier rallies and traded within a defined range.

How realistic is a $100 XRP scenario?

A $100 XRP price would imply an extraordinary increase in market capitalization, requiring sustained global adoption, deep liquidity, and widespread institutional usage. Even if XRP were integrated into parts of SWIFT’s infrastructure, that alone would not automatically justify such a valuation.

Reaching triple-digit levels would likely require several conditions to be met:

• XRP becoming a core settlement asset for global banking flows
• clear regulatory approval across major financial hubs
• consistently high transaction volumes using XRP directly
• reduced reliance on competing payment rails and stablecoins

The bigger picture for XRP

XRP remains one of the most discussed assets in crypto due to its focus on real-world payments and long-standing links to the financial sector. If regulatory clarity improves and institutions become more comfortable with digital assets, XRP could see increased usage and demand.

That said, expectations of XRP replacing SWIFT outright and reaching $100 as a result remain highly speculative. For now, the more realistic outlook centers on gradual integration, measured price growth, and continued monitoring of regulatory and institutional developments.

As the landscape evolves, XRP’s role in global payments may expand, but whether that expansion is enough to justify extreme price targets remains an open question.