XRP News Today: Ripple CEO Sees XRP Ledger Capturing 14% of SWIFT’s Global Liquidity by 2030

Ripple CEO Brad Garlinghouse has projected that the XRP Ledger (XRPL) could capture up to 14% of SWIFT’s global liquidity within the next five years. This ambitious forecast was made during the XRP Ledger Apex 2025 event, where Garlinghouse emphasized the role of XRP in providing liquidity solutions rather than replacing SWIFT’s messaging infrastructure. This strategic focus highlights Ripple’s intent to position XRP as a complementary asset that enhances cross-border payment efficiency by reducing settlement times and costs.

Despite the absence of a formal partnership between Ripple and SWIFT, the latter’s upcoming transition to the ISO 20022 messaging standard in November 2025 opens new avenues for interoperability with blockchain networks like XRPL. This upgrade aims to standardize financial messaging globally, potentially enabling smoother integration of blockchain-based liquidity solutions into traditional banking infrastructure. Ripple’s CTO, David Schwartz, addressed the critical auditing challenge in financial transactions, underscoring the importance of transparency and immutable record-keeping, areas where blockchain technology offers distinct advantages.

The XRP Ledger’s rapid settlement capabilities present a stark contrast to SWIFT’s traditional multi-day cross-border payment processes. XRPL typically settles transactions within three to five seconds, significantly reducing counterparty risk and liquidity lock-up. Additionally, transaction costs on XRPL are a fraction of a cent, compared to SWIFT’s fees ranging from $20 to $50 per transfer. These efficiencies position XRPL as a compelling alternative for financial institutions seeking to optimize liquidity management and reduce operational expenses.

At the Apex 2025 event, Ripple announced major ecosystem enhancements, including the launch of an Ethereum Virtual Machine (EVM)-compatible sidechain. This development facilitates seamless integration with Ethereum-based decentralized applications, broadening XRPL’s utility beyond payments. Furthermore, Ripple is enhancing support for tokenized real-world assets, such as US Treasuries, signaling a strategic move into asset tokenization and decentralized finance (DeFi) sectors. These initiatives demonstrate Ripple’s ambition to evolve XRPL into a versatile blockchain platform capable of supporting diverse financial instruments and use cases, thereby attracting a wider range of institutional participants.

Ripple’s ongoing legal battle with the U.S. Securities and Exchange Commission (SEC) remains a pivotal factor influencing market sentiment and institutional adoption. In April, both parties agreed to pause appeals for a 60-day settlement window, with a status report due by June 16, 2025. Should the SEC fail to meet this deadline, litigation proceedings are expected to resume, potentially extending into 2026. Resolving this lawsuit is a critical priority for Ripple, as a favorable outcome would remove significant regulatory uncertainty and pave the way for broader XRP adoption within the financial sector.

Ripple’s strategic focus on liquidity provision through the XRP Ledger, combined with the anticipated interoperability enabled by SWIFT’s ISO 20022 upgrade, positions XRPL as a formidable player in the evolving global payments landscape. The introduction of an EVM-compatible sidechain and enhanced tokenization capabilities further expand Ripple’s ecosystem, signaling a shift towards a more comprehensive blockchain platform. While regulatory challenges persist, Ripple’s ongoing developments and partnerships underscore its commitment to driving innovation and efficiency in cross-border finance.