XRP from $2.04 to $120 is it real? What does Gemini AI say about the Ripple–SWIFT scenario

In recent days, the crypto community has been restless over one number: $120. That is the price forecast for XRP made by Google Gemini based on a provocative scenario – if this coin truly becomes the liquidity bridge between SWIFT and modern financial systems.

But wait, from $2.04 current price to $120 , how many times is that? Is this number real or just a dream for XRP holders? Let’s explore what Ripple has previously envisioned and whether that plan will come true.

Ripple does not want to break SWIFT, but to collaborate with it

More than a decade ago, Chris Larsen – co-founder of Ripple – clearly stated in a 2015 interview with Global Finance Magazine: the company has no intention of replacing SWIFT or any financial system. Instead, the idea is to build an intermediary payment layer – a bridge – to help different networks communicate and transfer value faster.

Larsen also emphasized the difference between Ripple and Bitcoin. If Bitcoin aims to completely replace the existing system, Ripple chooses to work in parallel. Why? Bitcoin faces barriers when used at the organizational level – users must constantly switch between digital assets and fiat currency, and are exposed to exchange rate risks. For large financial institutions, this model is not practical.

Ripple, on the other hand, wants to be a neutral settlement layer, operating with SWIFT rather than replacing it.

Returning to the number: $150 trillion USD processed via SWIFT annually

Over 10 years later, when the XRP community revisits Larsen’s words, they start calculating. Analyst Chart Nerd recently pointed out: SWIFT currently supports about 40,000 payment corridors and processes cross-border transaction values estimated at $150 trillion USD per year.

That number is enormous. If XRP is used to support part of this payment flow, demand for XRP will surge. This is the basis for the next price forecasts.

Google Gemini predicts: XRP could reach $80–$120 if…

Based on the assumption that XRP will become a key liquidity asset in SWIFT-related payment processes, Google’s Gemini AI model estimated: the theoretical price of XRP could be in the range of $80 to $120 per token.

However, it’s important to note that:

• This forecast is completely hypothetical
• It depends on widespread acceptance of XRP within the financial system
• Regulatory clarity is needed
• Liquidity allocation must occur on a large scale

It’s not a hard prediction, but a “what if” scenario to help visualize potential.

But SWIFT is taking its own path

This is the main obstacle. In reality, SWIFT is not sitting idly by. By the end of 2024, SWIFT announced plans to conduct live trials for digital asset and currency transactions. These efforts will continue into 2025 with the introduction of a shared digital ledger, development of partnerships with major banks and blockchain companies.

The key point: SWIFT is building its own blockchain infrastructure, not necessarily using XRP.

Conclusion: Dream or reality?

Therefore, although the Ripple–SWIFT collaboration idea is still widely discussed, there is currently no official confirmation that this will happen. Google Gemini’s $120 scenario is a thought experiment – it shows potential if it occurs, but it’s not a predetermined trajectory.

With XRP at $2.04, the path to $120 is still very long and depends on decisions made by SWIFT, Ripple, and the global financial community. For now, it remains a speculative hypothesis full of exploration potential.