2026-01-13 23:26:11

Over the past eight years observing the crypto market, I've seen countless hype cycles, but Galen House's "Five-Year Payment Protocol" truly stands out. This isn't just a simple expectation of coin price doubling; it directly targets the ambitions of the traditional financial payment system—XRP aims to carve out a piece of the SWIFT cake.

First, let's look at the size of the market. SWIFT's annual global fund flow is approximately 1.5 quadrillion dollars. Galen House's goal is for XRP to capture 14% of that within five years. In other words, this amounts to a fund flow of 210 trillion dollars. What does this number mean? The US GDP for a year is only 27 trillion dollars, meaning XRP would need to handle payment demands equivalent to eight times the US annual economic output. The $943 price point doesn't seem so far-fetched within this logical framework.

Of course, having a vision alone isn't enough. What's truly worth paying attention to is the execution. XRP's ODL (On-Demand Liquidity) network is no longer just a concept. By 2026, the focus will be on Europe and the Middle East, aiming to capture 8% of cross-border settlement in the Eurozone. In partnership with Dubai International Financial Centre, they are building the "Middle East-Africa Payment Corridor," specifically addressing the foreign exchange liquidity issues faced by African countries. From network deployment to market integration, progress is steadily advancing.

The competition in the payment track isn't just about technological innovation but whether they can connect to real business scenarios. This time, it's not just crypto hype but a dialogue with the traditional financial system.

XRP-1,78%

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ChainMemeDealer

· 17h ago

Damn, $943 is really not a fantasy price, calculated it’s shocking This time Ripple seems to be serious, unlike some coins that just talk big all day The old guys at SWIFT probably never expected to be sniped by XRP like this Wait, can Europe and the Middle East really reach 8% in 2026? I feel a bit skeptical By the way, how is the progress of the ODL network? Has anyone tracked the data? I’m optimistic about the African payment corridor; there are too many bottlenecks in foreign exchange liquidity Eight years as a retail investor, this time feels a bit different

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SneakyFlashloan

· 22h ago

I've been a seasoned trader for eight years. Is XRP really going to break through the traditional financial system this time? That's impressive. --- 2.1 quadrillion in liquidity... It's not just talk; this is a huge scale. --- Ultimately, it still depends on execution. The move to expand the ODL network into Africa and the Middle East is indeed imaginative. --- The target price of $943 depends on how much SWIFT can truly be shaken. --- Not just hyping myself up; this round is different—directly challenging traditional finance. --- Is the cooperation in Dubai already progressing? Are they serious or just storytelling again? --- Equivalent to eight times the US GDP in settlement volume... That number sounds a bit crazy at first glance. --- I'm more concerned whether they can really capture 8% of the Eurozone market by 2026. It seems quite challenging. --- From concept to actual network deployment, the ODL rollout has indeed progressed faster than expected. --- In the past, it was all about coin price speculation. Is this time really going to change the payment system landscape? Take it with a grain of salt.

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ser_aped.eth

· 22h ago

Wow, this time it's not just about trading coins, I really feel like things are getting serious.

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MeaninglessGwei

· 23h ago

The number 210 trillion is indeed impressive, but on the other hand, will SWIFT obediently give up its market?

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ChainWallflower

· 23h ago

Wait, 210 trillion in liquidity? You can't logically derive that. Does SWIFT really have such a big cake to share? --- Getting a 14% share over five years is indeed nonsense, but I admit that the ODL part is actually moving. --- $943 is just too outrageous. The logic is there, but you’d need a lot of imagination to believe it. --- Instead of just talking about visions, it’s better to see how much Europe can cut by 2026. That’s the real test. --- The crypto world always talks like this, trying to take a slice from SWIFT? Bro, you overestimate XRP. --- The corridor between the Middle East and Africa is indeed fresh, but compared to the 8x GDP figure, it seems trivial. --- Honestly, it still depends on whether banks are willing to use it. No matter how strong ODL is, someone has to get on board. --- This kind of argument sounds okay at first, but upon closer inspection, it’s just the old routine. Change the coin and the hype is the same.

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RugPullSurvivor

· 23h ago

Wait, 210 trillion? Is this really happening or are they just hyping it up again? I've been so numb from being exploited over the past eight years that I can't tell anymore.

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CryptoCross-TalkClub

· 23h ago

Laughing to death, I bet five cents that the $943 price is just casually written in the white paper. I've heard this set of tactics from Galinhous too many times. The last project that hyped like this has already gone to feed the fish. Bro, if your logic is valid, SWIFT would have gone bankrupt long ago, and it's still thriving. ODL network deployment? I think it's just reinventing the wheel in the crypto world, and not a single real business scenario has been successfully implemented. This move belongs to: grand vision, but all dreams in execution.

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CantAffordPancake

· 23h ago

Wait a minute, 210 trillion in liquidity? Is this just bragging or do they really have confidence? --- $943 is a bit outrageous, but looking at the roadmap, it doesn't seem like a pure pump-and-dump. --- Another five-year plan, the crypto world loves to make pie in the sky. Believe it or not, I'll just get on board first. --- Snatching market share from SWIFT? That's ambitious. I'm just worried it will end up being just a concept coin again. --- Has the ODL network really expanded into the Middle East and Africa? Don't just talk about 8% in Europe; we need to see how it actually lands. --- There's something real here, unlike those air projects before, at least there's a business logic behind it. --- The phrase "dialogue with traditional finance" hit the mark. The crypto world shouldn't just be about speculating on numbers anymore. --- If $943 can be used to write articles and justify, I know for sure someone is trying to make money at this price level. --- I believe in the Dubai partnership; the Middle Eastern financial center is all about this. --- The reality is good, but the key question is whether the central bank will let you touch the SWIFT cake.

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