XRP News Today: Ripple CEO Predicts 14% SWIFT Share for XRP in Five Years

Ripple CEO Brad Garlinghouse's recent statements have sparked renewed interest in the potential long-term value of XRP. During the 2025 APEX developer summit, Garlinghouse predicted that XRP could capture 14% of SWIFT’s global transaction volume within the next five years. This projection, if realized, would represent a significant shift in the global payments landscape, with $21 trillion in value flowing through the XRP Ledger (XRPL).

Fruition Productions, a journalist, laid out a valuation scenario based on Garlinghouse's remarks. The scenario assumes that XRP's adoption in institutional financial networks would lead to a direct correlation between settlement volume and price. According to this projection, XRP could reach a price of $357, driven by its utility in cross-border payments rather than market speculation. This utility-based pricing model differentiates the estimate from typical market-driven price targets.

Garlinghouse's conservative communication style suggests that XRP could play an even more significant role in the global financial ecosystem. Other Ripple executives have emphasized the company's focus on driving real-world utility and long-term adoption, rather than short-term price fluctuations. Gaining a dominant position in the cross-border payments market is a critical milestone in enhancing XRP’s functional value and broadening its global adoption.

Ripple's institutional strategy and market impact are also noteworthy. The company aims to serve as a global payments infrastructure provider, offering fast, low-cost, and scalable settlement options. Ripple's involvement in central bank digital currency (CBDC) development and enterprise integrations further supports the possibility of XRP exceeding a $357 valuation. The company has been building partnerships with financial institutions across various regions, and XRP has already been integrated into payment corridors in Latin America, Asia, and the Middle East. Should XRP’s share of SWIFT-like traffic increase beyond 14%, the price ceiling could rise substantially, particularly if transactional demand drives daily usage volumes.