## If XRP Could Integrate with SWIFT: What Would Google's Gemini Model Suggest

The debate over a possible cooperation between XRP and SWIFT has reignited the crypto community's interest in Ripple's old statements. At the heart of this discussion are the strategic visions outlined years ago by Chris Larsen, Ripple's co-founder, regarding how blockchain technology could operate within the established global financial ecosystem.

Recent developments show that SWIFT is indeed exploring autonomous blockchain pathways. Throughout 2024, the institution announced live tests dedicated to digital asset transactions and tokenized currencies, while 2025 saw the introduction of a shared digital ledger developed with banks and blockchain entities. This aspect is crucial to understanding the current context in which speculations about XRP are situated.

### Ripple's Original Vision: Cooperation, Not Replacement

Returning to the roots of Ripple's strategy, a 2015 interview with Global Finance Magazine captures Larsen's thoughts as the company's CEO. The central element of his proposal was not to see Ripple as a disruptive force against legacy infrastructures like SWIFT or ACH, but rather as an interoperability infrastructure. In this vision, Ripple could serve as a bridge between different financial networks, speeding up settlement times without dismantling existing systems.

Larsen contrasted this model with that of Bitcoin, recognizing the innovation of the peer-to-peer protocol but highlighting how its structure posed constraints for institutional adoption. A universal currency or constant conversions between digital assets and local currencies expose financial intermediaries to significant exchange risks. Ripple's proposed solution aimed instead to provide a neutral settlement layer, operating alongside SWIFT messaging systems rather than replacing them.

### When Speculation Meets Numbers: The Gemini AI Model

Over a decade later, market analysts have revisited these concepts as debates on blockchain in traditional finance intensify. Attention has focused on SWIFT's operational scale: approximately 40,000 payment corridors handling an estimated volume of 150 trillion dollars in cross-border transactions annually.

Based on this scenario, various valuation models have been developed to explore what could happen if XRP were actually used as a liquidity tool within SWIFT flows. Google's Gemini AI model has produced a projection in which, if XRP could acquire a significant share of the liquidity needed to support a substantial part of this cross-border flow, its price dynamics would undergo radical transformations. In this hypothetical context, XRP would shift from a primarily speculative asset to a functional component of the global financial infrastructure.

According to this analysis, the theoretical valuation range would be between $80 and $120. It is essential to emphasize that this projection depends on numerous variable factors: actual adoption levels, regulatory clarity, liquidity distribution, and institutional acceptance.

### The Current Context: Opportunities and Realism

Currently, XRP's price stands at $2.05 according to the latest data. The gap between the theoretical projections and market reality highlights how exploratory this scenario remains. Although the XRP community continues to discuss the possibility of the protocol operating alongside SWIFT, concrete developments do not yet confirm such an integration.

SWIFT is building its own blockchain infrastructure without direct involvement from XRP, following an autonomous digitalization path. Any price forecast related to the hypothesis of cooperation between XRP and SWIFT should be considered as a potential scenario rather than a market-established trajectory.