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

Ripple CEO Brad Garlinghouse recently outlined his vision for the future of global financial infrastructure during the APEX 2025 Event. Garlinghouse made it clear that Ripple's ambitions extend beyond merely replacing SWIFT's messaging system; instead, the company is targeting the core of financial value movement: liquidity. He explained that SWIFT's system is composed of two parts: messaging and liquidity, with the latter being controlled by banks. Ripple's long-term objective is to facilitate the actual flow of money across borders, rather than just providing an alternative communication network.

Garlinghouse's comments reveal a strategic shift in Ripple's approach. While the industry has largely focused on messaging protocols and ISO 20022 alignment, Ripple is concentrating on liquidity. This strategy positions Ripple to become a central player in global financial infrastructure, leveraging its XRP-powered On-Demand Liquidity (ODL) platform. This platform already supports multiple corridors worldwide, enabling financial institutions to send money without pre-funded accounts. As more institutions adopt blockchain-based payment systems, Ripple's value proposition becomes increasingly attractive.

During the APEX 2025 Event, Garlinghouse predicted that Ripple would capture 14% of SWIFT’s current volume within five years. This projection highlights Ripple’s growing confidence in the institutional adoption of XRP for cross-border settlement. The company's expansion of partnerships and pursuit of banking licenses in key jurisdictions support this strategic framework. This prediction is not just about technical potential but reflects Ripple’s deep understanding of legacy banking systems and their limitations. By focusing on liquidity, Ripple aims to serve use cases where SWIFT is 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, the 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.