Global finance may be heading toward a shift in
cross-border settlements. Speaking at the XRP APEX 2025 event in Singapore,
Ripple CEO Brad Garlinghouse shared a bold projection: XRP could capture 14% of
SWIFT’s volume over the next five years, driven by a focus on liquidity rather
than messaging infrastructure.
Leveraging Crypto-Based Liquidity
Garlinghouse’s comments reflect a broader ambition
within Ripple to challenge traditional financial rails by leveraging
crypto-based liquidity solutions.
While SWIFT currently dominates the interbank
messaging landscape for cross-border payments, Garlinghouse argued that the
true battleground lies in liquidity, the ability to move money, not
just send instructions.
“There are two parts to SWIFT today: messaging and
liquidity,” Garlinghouse said. “Liquidity is owned by the banks. I think less
about the messaging and more about liquidity. If you’re driving all the
liquidity, it is good for XRP… so I’ll say five years, 14%.”
🚨BREAKING: CEO of @Ripple – Brad Garlinghouse says at APEX 2025 event: “XRP could capture 14% of SWIFT volume in just 5 years.”💥THAT’S OVER $1,000 PER #XRP!💥 pic.twitter.com/w1sF218T9o
— JackTheRippler ©️ (@RippleXrpie) June 11, 2025
At the same event, Ripple’s Chief Legal Officer also
highlighted the potential for rapid growth in the tokenized asset sector.
“Hundreds of billions of tokenized global assets (will emerge) fairly quickly,”
he said, signaling Ripple’s intent to position XRP as a foundational layer in
that transformation.
You may also find interesting: Ripple’s Stablecoin Enables Ondo’s $670M Tokenized Treasury Access on XRPL
The vision presented at APEX 2025 hints at a future in
which traditional financial infrastructure coexists, or competes, with
blockchain-powered systems.
Cross-Border Finance
By targeting liquidity, Ripple aims to plug into the
critical layer of cross-border finance that determines how quickly and cheaply
value can move across borders. At the time of this publication, XRP traded for $2.31, after a 3% and 1% increase in the past week and day, respectively. Ranked #4 on CoinMarketCap, the token has a market capitalization of $136 billion.
While such projections are ambitious, they reflect
growing momentum in the digital asset space, where major institutions are
increasingly exploring blockchain-based alternatives to legacy financial
systems.
Read more: Is XRP Moving Up Ahead of a Possible Ripple-SWIFT Integration?
In April, rumors about a collaboration between Ripple
and SWIFT emerged. Garlinghouse reportedly suggested the possibility of either
an integration or a replacement. A former SWIFT employee also claimed that
banks have tested XRP’s compatibility with the SWIFT network.
This article was written by Jared Kirui at www.financemagnates.com.
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