TLDR
- Ripple CEO Brad Garlinghouse predicts XRP Ledger could capture 14% of SWIFT’s global liquidity within 5 years
- XRP Ledger focuses on liquidity solutions rather than replacing SWIFT’s messaging system entirely
- XRPL settles transactions in seconds compared to SWIFT’s 1-5 day settlement times
- XRP payment volume has surged 1,300% to $4.11 billion recently
- Ripple officially launched an Ethereum Virtual Machine (EVM) compatible sidechain
Ripple CEO Brad Garlinghouse made a bold prediction about the company’s future market position during the XRP Ledger Apex 2025 conference in Singapore. He stated that the XRP Ledger could capture 14% of SWIFT’s global liquidity within the next five years.
🧠 Brad Garlinghouse, Ripple CEO:
“Within the next 5 years, $XRP will take 14% of SWIFT.”
That’s 2.8% per year, just from utility.
We’re not even counting what happens when it rides with $BTC 🚀XRP isn’t sleeping. It’s loading. 💥 pic.twitter.com/JpbaQkzGgH
— Dr. Scott Young OFFICIAL – NESARA/END TIMES (@Scottyounglive) June 11, 2025
Garlinghouse emphasized that Ripple’s strategy focuses on liquidity rather than messaging systems. He explained that SWIFT operates on two components: messaging and liquidity, with liquidity being the more powerful element.
The CEO clarified that XRP Ledger is not designed to replace SWIFT’s messaging system entirely. Instead, the platform aims to enhance liquidity provision for cross-border payments.
Speed and Cost Advantages Drive Adoption
Traditional SWIFT transactions typically take between one to five days to settle. In contrast, XRP Ledger can process and settle transactions within seconds.
This speed difference represents a major advantage for institutions moving large amounts of capital. Financial organizations require faster settlement times to improve their operational efficiency.
The cost difference between the two systems also favors XRP Ledger. Traditional SWIFT transfers can cost around $150 for a $30,000 transaction, according to user reports.
XRP’s lower transaction fees could result in substantial cost savings for banks and financial institutions. These advantages have contributed to increased adoption of the XRP Ledger platform.
Payment Volume Shows Strong Growth
Recent data shows XRP payment volume has increased by 1,300% to reach $4.11 billion. This surge indicates growing institutional interest in the platform.
The growth comes as more organizations seek alternatives to traditional payment systems. Many institutions are looking for faster and more cost-effective solutions for cross-border transactions.
Technical Development Continues
Ripple announced the launch of a new sidechain compatible with the Ethereum Virtual Machine (EVM). This development expands the platform’s capabilities and interoperability.
The EVM compatibility allows developers to build applications that can work across both XRP Ledger and Ethereum ecosystems. This technical advancement could attract more developers to the platform.
SWIFT currently maintains its position as the dominant player in cross-border payments. The network has operated for decades and has widespread adoption among financial institutions worldwide.
David Schwartz, Ripple’s Chief Technology Officer, has highlighted auditing challenges in financial transactions. These technical considerations remain important factors in the development of next-generation payment systems.
