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.