Could XRP eventually reach a five-figure price? That question resurfaced after crypto researcher Michelle Kirby gave her opinion on the digital asset’s long-term potential, taking a bold stance that XRP could trade above $15,000 if it were to replace the global SWIFT payment messaging network.
In her tweet, Michelle Kirby said, “When XRP replaces SWIFT, its value will exceed $15,000 per coin.” She based her argument on XRP’s original design, emphasizing that the asset was built to be highly divisible, allowing it to support significantly higher values without sacrificing usability.
The commentator explained that each XRP can be divided into one million smaller units known as “Drops.” As a result, one Drop represents 0.000001 XRP, or one millionth of a single token. According to her, this level of divisibility means XRP could still facilitate transactions efficiently even if the value of one coin climbed into the thousands of dollars.
When XRP replaces SWIFT, its value will exceed $15,000 per coin. XRP's original design allows it to command such a high value because one XRP can be divided into 1,000,000 smaller units called "Drops." Therefore, one Drop is equal to 0.000001 XRP, or one millionth of an XRP.#xrp pic.twitter.com/17Ns9u7CoF
— Michelle Kirby X (@michelekirby623) June 29, 2026
Divisibility Forms the Core of the Argument
Rather than focusing on short-term price action, Michelle Kirby X centered her argument on XRP’s technical structure. She suggested that the asset’s ability to split into one million Drops was part of its original design and allows it to function at substantially higher price levels.
Her post implies that if XRP were ever to play a central role in global payments by replacing SWIFT, the network would require a much higher valuation to support the scale of international financial activity. From that perspective, she believes a price above $15,000 per XRP would be achievable.
The claim reflects a long-standing view among some XRP supporters, who believe the cryptocurrency was designed to facilitate large-value cross-border transactions. Supporters frequently point to XRP’s speed, relatively low transaction costs, and divisibility as characteristics that could make it suitable for institutional payment flows.
XRP Community Offers Mixed Responses
The post received a wide range of responses, with many users questioning both the proposed valuation and the likelihood of XRP replacing SWIFT.
Bob dismissed the prediction outright, writing, “This is never going to happen so ridiculous.”
RichMigz01 acknowledged the possibility but suggested it would take an exceptionally long time, commenting, “Sure it will happen dear, maybe 100 years from now.. count on it.”
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Another user, Touf, responded sarcastically by comparing the prediction to humanity one day “living on Mars and kicking the ball around,” signaling skepticism toward the claim.
Brian, who identified himself as a longtime follower of Michelle Kirby X, expressed concern about the tone of the content rather than the technical argument itself. He wrote that the repeated high valuation estimates “conflict with the reality of the times.”
Not every response rejected the idea entirely. Futures_With_Rio said that replacing SWIFT may be unrealistic but maintained that XRP could still capture a meaningful share of global payment traffic.
According to the commenter, SWIFT remains an outdated system, and while it may never disappear, XRP and the XRP Ledger could eventually handle a portion of international transactions and outperform existing infrastructure in certain use cases.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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