XRP é ineficiente para a liquidação em escala da SWIFT: especialista prova que o XRP precisa de US$ 500 a US$ 1.000

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Can XRP efficiently support trillions of dollars in daily settlements at its current market price? Former City of London fund manager DigitalG addressed that question by sharing a mathematical exercise estimating the amount of XRP liquidity required under different pricing scenarios, assuming the asset is reused multiple times each day through rapid settlement.

In a post on X, DigitalG suggested that XRP’s current market price would make it inefficient for handling transaction volumes comparable to those processed by the global financial messaging network SWIFT, even when assuming the asset is recycled multiple times each day.

To illustrate the point, DigitalG attached a table comparing different daily settlement targets with various XRP price levels. His calculations assumed that XRP could be recycled 10 times per day through its fast settlement capabilities, reducing the liquidity needed compared to a system where each token is used only once.

According to the analysis, settling $1 trillion in daily payments at XRP’s public price of approximately $1.06 would require about 94.3 billion XRP if each token were reused ten times daily. As the assumed XRP price increases, the required liquidity falls significantly. At $10 per XRP, the requirement drops to 10 billion XRP, while a price of $100 reduces the need to just 1 billion XRP.

The same pattern appears in higher settlement scenarios. For $5 trillion in daily settlement volume, the table estimates that roughly 471.7 billion XRP would be needed at $1.06, compared with 5 billion XRP at $100. At a $10 trillion daily settlement target, the calculations show nearly 943.4 billion XRP would be required at the current public price, as only 10 billion XRP would be needed if XRP traded at $100.

Maior Valoração Apresentada como Requisito de Eficiência

Based on these figures, DigitalG concluded that XRP’s current public market price is mathematically inefficient for settlement volumes on the scale handled by SWIFT. He emphasized that his calculations assume XRP can complete ten settlement cycles per day due to its rapid settlement speed.

He further summarized that, for a network settling around $10 trillion per day, an XRP price between $500 and $1,000 would be required to satisfy what he described as an efficient liquidity model. At those price levels, his table estimates that only 2 billion XRP would be needed at $500 and 1 billion XRP at $1,000 to support the assumed settlement volume.

The post focused on illustrating the relationship between asset price and liquidity requirements rather than predicting XRP’s future market value.

Membro da Comunidade Adiciona Contexto sobre Volumes de Pagamento Globais

HenriPcr also estimated that global electronic transaction volumes likely total several quadrillion dollars each year. He added that SWIFT typically processes around 11.5 million payment messages daily, producing an average transaction size of roughly $45,000, while noting that actual payment values vary widely across the network.

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