XRP News Today: Ripple Aims to Capture 14% of SWIFT’s Capital Flows by 2030

Ripple’s CEO, Brad Garlinghouse, has expressed a visionary goal for the XRP Ledger, aiming to handle 14% of SWIFT’s capital flows by 2030. This ambitious target was announced during the XRP APEX 2025 in Singapore, where Garlinghouse highlighted the two key components of SWIFT: messaging and liquidity. He emphasized that while messaging is crucial, liquidity is the more critical aspect, and controlling it would significantly benefit XRP. Garlinghouse predicted that within five years, the XRP Ledger could capture 14% of SWIFT’s liquidity flows, which currently amount to $1.25 quadrillion annually. This would translate to approximately $175 trillion in yearly volume for the XRP Ledger.

Ripple’s strategy to achieve this goal involves disrupting the traditional cross-border payment system by offering a cheaper and faster alternative to SWIFT. The XRP Ledger’s efficiency and scalability make it an attractive option for financial institutions seeking to streamline their payment processes. Ripple has already secured high-profile partnerships and acquisitions, including collaborations with traditional banks such as Japan’s SBI Holdings, Banco Santander, and Standard Chartered. These partnerships are part of Ripple’s broader strategy to integrate the XRP Ledger into the global financial ecosystem.

Despite these strategic moves, the XRP Ledger has faced challenges. Network activity has dropped significantly, with a 94% decrease in 2025, from 105,000 active users in December to just 6,000 by June. This decline in activity raises questions about the Ledger’s current traction and adoption rates. However, the native token XRP has seen renewed interest from whales, with transactions over $1 million spiking in June. This interest coincided with a price increase for XRP, from $2.0 to $2.35, indicating that despite the network’s challenges, there is still significant investor confidence in the token.

Analysts have noted that while the XRP Ledger faces hurdles, its potential to revolutionize cross-border payments remains high. The Ledger’s ability to process transactions in real-time and at a lower cost compared to traditional systems makes it a compelling option for financial institutions. Ripple’s commitment to security and transparency has also helped maintain institutional interest, despite the prevalence of scam crypto projects in the market. This focus on credibility and trust is crucial for the XRP Ledger’s long-term success.

In summary, Ripple’s vision for the XRP Ledger to handle 14% of SWIFT’s capital flows by 2030 is an ambitious but achievable goal. The Ledger’s efficiency, scalability, and strategic partnerships position it well to challenge traditional payment systems. However, the recent decline in network activity highlights the need for continued innovation and adoption efforts. With its focus on security and transparency, Ripple is well-positioned to navigate the challenges and capitalize on the opportunities in the global payment ecosystem.