Standard Chartered analyst Geoffrey Kendrick projects XRP could grow roughly 73% per year over the next three years. Ripple CEO Brad Garlinghouse says XRP could capture 14% of payment volume currently handled by SWIFT within five years.

SWIFT has completed its migration to ISO 20022 in November 2025, retiring the legacy MT messaging format — a move that could reshape cross-border settlement and create new pathways for XRP and other utility coins. The upgrade promises richer payment data, better interoperability with tokenized assets, and faster liquidity flows between banks and crypto rails.