Analysts have speculated on the potential impact on XRP's price if SWIFT, the global financial messaging network, adopts it as a liquidity layer for cross-border transactions. Ripple executives have suggested that XRP could enhance SWIFT's operations by facilitating faster and more cost-effective international payments. In this scenario, banks would convert currencies into XRP, transfer them instantly, and reconvert them at the destination, streamlining the process and reducing costs. According to estimates from Google Gemini, if XRP were to handle SWIFT's $150 trillion annual transaction volume, its price could reach $682 under a conservative model. With speculative demand, the price might rise to between $1,000 and $1,500. However, the analysis cautions that regulatory, competitive, and technical challenges would significantly affect any real-world implementation.