XRP To Capture 14% Of SWIFT’s Volume, Says Ripple CEO

Source Bitcoinist

Ripple chief executive Brad Garlinghouse used XRPL Apex 2025 to set an audacious target for the company’s native asset. “If you’re driving all the liquidity, that’s good for XRP … so I’ll say five years, 14 percent,” he told the audience, distinguishing sharply between SWIFT’s well-known messaging layer and the liquidity rails that actually move money.

“SWIFT today, there’s two ways to think about SWIFT. There’s messaging and there’s liquidity. Liquidity is owned by the banks. I think less about the messaging and more about liquidity,” the Ripple CEO said.

Garlinghouse’s forecast came during a dialogue with Ripple’s chief technologist David Schwartz, who framed the broader prize: “We’re going to see many, many hundreds of billions of dollars in tokenized … assets fairly quickly.” Schwartz argued that blockchains solve a mundane but stubborn problem in corporate audits—“How do you know I don’t owe somebody money that isn’t in the records you’re checking?”—and that this built-in transparency will accelerate adoption.

What XRP’s 14% SWIFT Takeover Could Mean

Quantifying Garlinghouse’s projection depends on which slice of SWIFT’s activity one counts. From the daily lens, industry data widely quoted in payments-technology literature shows SWIFT messages directing almost $5 trillion every 24 hours. Fourteen percent of that flow is roughly $700 billion per day—a value that could, under Ripple’s thesis, migrate to XRP-based liquidity rails.

From the annual payments lens and the cross-border payment traffic alone, SWIFT has been estimated to settle about $150 trillion a year. Fourteen percent of that narrower baseline would still amount to $21 trillion annually, more than the combined 2024 GDP of Japan and Germany.

Either yard-stick underscores the scale of the ambition: if XRP were to intermediate even the lower $21 trillion figure, its settlement throughput would eclipse that of most major national payment systems.

Garlinghouse’s insistence on “liquidity” rather than “messaging” mirrors Ripple’s strategy since 2018, when it began pitching XRP as a real-time bridge asset for banks preferring to keep nostro-vostro balances lean. SWIFT itself, serving over 11,500 institutions, acknowledges it “sends trillions of dollars every day,” a breadth Ripple cannot ignore.

That focus also explains Ripple’s recent engineering milestones showcased in Singapore: Native support for institutional-grade tokenization modules, aimed at the “hundreds of billions” Schwartz referenced. A re-architected liquidity hub that auto-routes fiat and digital-asset trades to minimize slippage when large banks unwind positions intraday.

XRP is the fourth-largest cryptocurrency by market capitalization, hovering near $132 billion during the conference. Although the token has quadrupled in value since the 2024 US election cycle, turnover remains a fraction of what would be required to handle a multi-hundred-billion-dollar daily flow.

Ripple says its on-demand liquidity corridors processed “single-digit billions” last quarter; scaling to Garlinghouse’s target would therefore entail a two-order-of-magnitude jump.

At press time, XRP traded at $2.25.

XRP price
Disclaimer: For information purposes only. Past performance is not indicative of future results.
placeholder
Hedera Price Analysis: HBAR defies $50B market dip as Nvidia confirms AI partnershipHedera maintains strength above $0.15, signaling investor confidence as NVIDIA’s AI integration boosts long-term bullish sentiment and breakout potential.
Author  FXStreet
4 Month 09 Day Wed
Hedera maintains strength above $0.15, signaling investor confidence as NVIDIA’s AI integration boosts long-term bullish sentiment and breakout potential.
placeholder
Stellar Price Forecast: XLM eyes triangle breakout rally amid PayPal’s stablecoin integration buzzStellar (XLM) ticks higher by nearly 1% at press time on Friday, adding minor gains to the 5% surge from Sunday. Stellar nears the resistance trendline of a descending triangle pattern after bouncing off its support floor on Wednesday, accounting for a near 12% surge. 
Author  FXStreet
7 Month 07 Day Mon
Stellar (XLM) ticks higher by nearly 1% at press time on Friday, adding minor gains to the 5% surge from Sunday. Stellar nears the resistance trendline of a descending triangle pattern after bouncing off its support floor on Wednesday, accounting for a near 12% surge. 
placeholder
Analyst Mocks Calls For XRP Price At $1,000, Says Take Profits At This LevelCrypto analyst Jaydee has called out market participants who predict that the XRP price could rally to as high as $1,000. The analyst suggested that the altcoin can’t reach such heights and
Author  NewsBTC
7 Month 11 Day Fri
Crypto analyst Jaydee has called out market participants who predict that the XRP price could rally to as high as $1,000. The analyst suggested that the altcoin can’t reach such heights and
placeholder
Gold Price Forecast: XAU/USD climbs above $3,350 as Trump rekindles trade tensionsThe Gold price (XAU/USD) extends its upside to around $3,365 during the early Asian session on Monday. The precious metal edges higher as traders rushed toward the traditional safe-haven assets after US President Donald Trump widened the global trade war with a fresh wave of tariffs.
Author  FXStreet
6 hours ago
The Gold price (XAU/USD) extends its upside to around $3,365 during the early Asian session on Monday. The precious metal edges higher as traders rushed toward the traditional safe-haven assets after US President Donald Trump widened the global trade war with a fresh wave of tariffs.
placeholder
Ripple’s $21 Trillion Dream: What Capturing 20% Of SWIFT Volume Means For XRPRipple Labs, a crypto payments company, continues to set its ambitions and those of XRP higher than ever as it edges closer to disrupting the global financial messaging giant SWIFT. After Ripple CEO
Author  NewsBTC
5 hours ago
Ripple Labs, a crypto payments company, continues to set its ambitions and those of XRP higher than ever as it edges closer to disrupting the global financial messaging giant SWIFT. After Ripple CEO
goTop
quote