XRP News Today: XRP Could Capture 14% of Global SWIFT Liquidity by 2030

Finance experts and market analysts are increasingly highlighting the potential impact of Ripple’s RLUSD stablecoin on the demand for XRP, according to recent developments and strategic moves by Ripple. With the launch and adoption of RLUSD, the XRP Ledger is being positioned as a critical infrastructure for cross-border payments and institutional-grade financial applications. This shift in focus could enhance the role of XRP as a bridge currency, particularly if global financial systems begin to integrate the XRP Ledger into their operations.

Ripple's RLUSD, launched in December 2024, has already demonstrated significant utility in decentralized finance (DeFi) and real-world asset (RWA) markets. For example, RLUSD has facilitated $408 million in DeFi volume through Aave’s RWA market, showcasing its ability to attract institutional participants [1]. The stablecoin’s integration into major exchanges and payment platforms further underscores its growing acceptance as a reliable, USD-backed digital asset. Ripple’s approach of embedding RLUSD into the XRP Ledger and Ethereum ecosystems ensures compatibility with a broad range of use cases, from fast, compliant payments to tokenized asset settlement.

The XRP Ledger is also evolving with innovations such as a proposed Dynamic Fee Model for AMMs, which aims to restore liquidity provider (LP) confidence and improve capital efficiency [1]. This model introduces variable fees based on market volatility, potentially rewarding LPs during periods of uncertainty while reducing exploitability. Such enhancements are critical for stabilizing the AMM liquidity that underpins DeFi activities on the XRP Ledger. Additionally, Ripple’s roadmap for 2025 includes permissioned DEX functionality, credit-based lending, and flexible token standards, all of which are designed to attract institutional-grade participants [1].

The potential adoption of the XRP Ledger in global financial infrastructure is further supported by SWIFT’s ongoing trials with Ripple’s technology. SWIFT, the backbone of interbank messaging, is exploring how the XRP Ledger and Hedera Hashgraph can streamline cross-border transactions under the new ISO 20022 standard [5]. If successful, this integration could lead to a significant increase in XRP demand. Analysts estimate that even a 1% share of SWIFT’s $150 trillion annual transaction volume could generate $1.5 trillion in demand for XRP [5]. Ripple CEO Brad Garlinghouse has expressed optimism that the XRP Ledger could capture up to 14% of SWIFT’s global liquidity by 2030, a figure that highlights the potential scale of adoption [5].

Despite the promising developments, the XRP market has experienced volatility, with the token dropping out of the top three in market capitalization in recent weeks [6]. This shift reflects broader market dynamics and regulatory uncertainties, but also underscores the importance of institutional-grade utility in stabilizing XRP’s value. As Ripple continues to build out its ecosystem with RLUSD and DeFi innovations, the token’s role as a bridge for global payments is expected to gain traction, particularly if regulatory hurdles are cleared and SWIFT integration proves successful.

For investors, the strategic interplay of AMM liquidity, stablecoin growth, and institutional-grade upgrades presents a compelling long-term opportunity. While short-term fluctuations remain a risk, the broader trend toward compliant, efficient, and scalable blockchain solutions positions XRP as a key player in the evolving financial landscape. The coming months will be critical in determining whether Ripple’s vision of XRP as a foundational asset for global finance will materialize, with regulatory clarity and SWIFT’s trial outcomes serving as key indicators of the token’s future trajectory.

Source:

[1] XRP AMM Liquidity Hits Near One-Year Lows as XRPL (https://www.bitget.com/news/detail/12560604937759)

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[5] SWIFT's Ripple Trial May Move XRP To Center of Global ... (https://www.ccn.com/news/crypto/swifts-ripple-trial-turn-xrp-backbone-global-payments/)

[6] XRP Knocked Out of Top 3 by USDT Following Sharp Drop (https://cryptopotato.com/xrp-knocked-out-of-top-3-by-usdt-following-sharp-drop/)