According to the velocity of money valuation model, XRP's price is expected to reach $20 within five years. This projection assumes that the XRP blockchain can capture 14% of the $1.5 quadrillion annual cross-border payment market currently handled by SWIFT, equating to $21 trillion in annual transaction volume. Since 2023, Ripple has invested over $3 billion in building end-to-end blockchain infrastructure to facilitate this growth, but competition from SWIFT's own blockchain initiatives poses a significant risk.
According to the velocity of money valuation model, XRP's price is expected to reach $20 within five years. This projection assumes that the XRP blockchain can capture 14% of the $1.5 quadrillion annual cross-border payment market currently handled by SWIFT, equating to $21 trillion in annual transaction volume. Since 2023, Ripple has invested over $3 billion in building end-to-end blockchain infrastructure to facilitate this growth, but competition from SWIFT's own blockchain initiatives poses a significant risk.