XRP News Today: Ripple CEO Aims for 14% of SWIFT’s Global Payments Volume in Five Years

Ripple CEO Brad Garlinghouse's recent statement about XRP capturing 14% of SWIFT’s global payments volume within five years has garnered significant attention within the XRP community. This bold claim, accompanied by visual proof of Garlinghouse’s growing influence in global finance, was highlighted by Edo Farina, a well-known XRP supporter. Farina shared a group photo taken at the Singapore Fintech Festival, featuring Garlinghouse alongside top-level figures from the International Monetary Fund (IMF), including Christine Lagarde and Jessie Cheng. This image underscores the credibility behind Ripple’s ambitions and reinforces the idea that Ripple is positioning XRP as a serious alternative to the decades-old SWIFT infrastructure.

SWIFT, the global standard for interbank messaging, handles trillions of dollars in cross-border transactions but is often criticized for its inefficiencies, including slow settlement times, high costs, and lack of transparency. Ripple’s On-Demand Liquidity (ODL) platform, powered by XRP, aims to address these issues by offering near-instant, low-cost international transactions. Garlinghouse’s 14% estimate, while ambitious, is supported by Ripple’s increasing integration with financial institutions worldwide. The company’s technology is already being utilized in regions such as Latin America, Southeast Asia, and the Middle East. If Ripple captures even a fraction of SWIFT’s volume, it would mark a significant shift in the global payments ecosystem, enhancing XRP’s utility and market relevance.

The group photo shared by Farina is not merely symbolic; it highlights Ripple’s growing influence at the highest levels of global finance. Garlinghouse was pictured with Christine Lagarde, now President of the European Central Bank, and Jessie Cheng, IMF’s Fintech Counsel who previously worked for Ripple. The image was taken during a meeting of the IMF’s Interdepartmental Working Group on Finance and Technology, indicating Ripple’s active participation in shaping the future of digital finance. This engagement with global policy institutions underscores that Ripple’s vision is being heard not just within crypto circles, but among central banks, regulators, and financial policymakers.

As Ripple continues to expand into stablecoins, central bank digital currencies (CBDCs), and tokenized assets, XRP’s role as a bridge currency becomes increasingly important. The 14% SWIFT volume projection is no longer a distant dream but a long-term objective rooted in the company’s ongoing enterprise and policy-level engagements. While debates continue within the XRP community and the broader crypto space, the momentum behind Ripple is clear. Farina’s post served as a timely reminder that when someone like Garlinghouse makes a prediction, it carries significant weight—it’s a signal of where global finance may be heading. If XRP fulfills even part of that promise, the impact will be transformative.