XRP News Today: Ripple CEO Predicts 14% SWIFT Volume Capture in Five Years

Ripple CEO Brad Garlinghouse recently outlined his vision for the future of global financial infrastructure in a video posted on X. During the APEX 2025 Event, Garlinghouse made it clear that Ripple is not merely aiming to replace SWIFT's messaging system but to capture the core of financial value movement—liquidity.

Garlinghouse differentiated between the two components of SWIFT’s system: messaging and liquidity. He emphasized that while SWIFT handles messaging, liquidity is controlled by banks. Ripple’s long-term goal is to power the actual flow of money across borders, not just offer an alternative communication network for financial institutions.

Garlinghouse’s strategy focuses on liquidity rather than messaging protocols. He believes that the true opportunity lies in controlling the liquidity layer of international payments. Ripple’s XRP-powered On-Demand Liquidity (ODL) platform already supports multiple corridors globally, enabling financial institutions to send money without pre-funded accounts. As more institutions adopt blockchain-based payment rails, Ripple’s value proposition becomes increasingly attractive.

At the APEX 2025 Event, Garlinghouse predicted that Ripple would capture 14% of SWIFT’s current volume within five years. This prediction reflects Ripple’s growing confidence in the institutional adoption of XRP for cross-border settlement. The company is expanding partnerships and pursuing banking licenses in key jurisdictions, indicating a broader strategic framework.

This projection is not just about technical potential but also about Ripple’s understanding of legacy banking systems and their limitations. By focusing on liquidity, Ripple may position itself to serve use cases where SWIFT remains inefficient or cost-prohibitive, potentially replacing the legacy system in the long term.

The implications of this shift are significant for XRP. If Ripple controls the liquidity layer of international payments, demand for XRP as a bridge asset could increase substantially. Garlinghouse’s focus on liquidity suggests that Ripple is preparing for a future in which XRP plays a central role in institutional finance.

While it remains to be seen whether Ripple can capture the projected 14% share, Garlinghouse’s remarks reflect a belief that XRP will power the next phase of financial innovation. This bold prediction underscores Ripple’s ambition to disrupt the traditional cross-border payment system dominated by SWIFT and to offer faster, cheaper, and more efficient payment solutions.

Ripple’s strategic vision to expand its market share in the global payments industry is part of its broader strategy to position itself as a leader in the fintech industry. The company’s use of blockchain technology to facilitate faster and more secure transactions aligns with the growing demand for digital payment solutions, particularly in the context of global trade and commerce.

As the fintech industry continues to evolve, Ripple’s focus on disrupting traditional payment systems and offering more efficient solutions positions it as a key player in the global payments ecosystem. The company’s ambition to capture 14% of SWIFT’s volume within five years is a clear indication of its intent to drive change in the financial sector and establish itself as a major player in the market.