Could XRP Ledger replace SWIFT in the future?

XRP’s features make it the ideal system to power all (or most) of the world’s Fiat currencies. Banks can make use of the XRP Ledger for money transfers at a fraction of the cost. Since it’s centralized, there’s a high chance governments around the world will launch their own CBDCs on the platform.

If XRP replaces SWIFT, how high will it go? Will it surpass ETH’s market cap at least?

I’d like to know your thoughts.