XRP News Today: Ripple Aims to Capture 14% of SWIFTs Cross-Border Volume in Five Years

Ripple, a prominent player in the global payments space, has intensified its ambitions with CEO Brad Garlinghouse openly stating at APEX 2025 that the company aims to capture SWIFT’s customer base. This declaration aligns with Ripple’s long-term strategy to transition global banking infrastructure from traditional systems to the blockchain-based XRP Ledger. Concurrently, central banks are showing increased interest, with recent reports indicating that Ripple’s network is being studied alongside SWIFT’s systems in various experiments.

During his speech at the APEX summit, Garlinghouse emphasized that Ripple’s objective is not just to compete with SWIFT but to replace it as the primary system for global money transfers. He highlighted that while SWIFT is dominant in messaging, the critical aspect is the liquidity that banks can provide. “I think less about the messaging and more about liquidity,” Garlinghouse stated. Ripple is focusing on the deeper infrastructure among banks, which involves the actual movement of value.

Garlinghouse boldly asserted that Ripple plans to capture up to 14% of SWIFT’s current cross-border volume within five years. This is a significant target, considering SWIFT’s current scale, which facilitates over 45 million financial messages and handles around $5 trillion in money transfers daily. Even a 14% share of that market would represent hundreds of billions of dollars in value flowing through Ripple’s ecosystem, thereby creating substantial demand for XRP.

Garlinghouse’s comments come at a time when institutional momentum appears to be shifting in Ripple’s favor. Ripple’s global push extends beyond private sector partnerships, with growing interest from central banks in blockchain-based payment infrastructure. Ripple’s xCurrent solution, built on the Interledger Protocol (ILP), was recently studied alongside SWIFT’s gpi system as part of Project Stella. This collaborative research initiative involves the European Central Bank and the Bank of Japan, indicating that central banks are evaluating Ripple’s technology as a viable alternative to SWIFT.

The fact that two of the world’s most influential central banks are reviewing Ripple’s infrastructure alongside SWIFT signals that XRP’s utility is now being considered at the core of global monetary policy discussions. This development aligns with the beliefs of many XRP supporters, who have long predicted that XRP’s price is destined to move far beyond its current all-time high. Some technical analyses have predicted double-digit prices for XRP, with other predictions for the XRP price as high as $1,000. However, these predictions are speculative and should be taken with caution.