Ripple CEO Envisions XRP Claiming 14% of SWIFT’s Cross-Border Payment Volume

Ripple’s CEO, Brad Garlinghouse, expressed his belief that XRP could secure 14% of the volume that SWIFT manages in international payments over the next five years. He highlighted RTP’s liquidity capabilities as crucial for competing with SWIFT’s global messaging system.

Speaking at the XRP APEX 2025 event in Singapore, Garlinghouse emphasized that XRP’s strength lies not only in messaging but also in its efficiency in facilitating international financial transactions. This, he argues, sets it apart from the conventional SWIFT method, which merely informs banks about where to send money but does not handle actual transfers.

Key Insights:

• Garlinghouse states, “There are two parts to SWIFT today: messaging and liquidity. Liquidity belongs to the banks. I focus more on liquidity. If you control liquidity, it benefits XRP… so I’ll project five years for achieving 14%.”

  “Hay dos partes en SWIFT hoy: mensajería y liquidez. La liquidez pertenece a los bancos. Me enfoco más en la liquidez. Si controlas la liquidez, beneficia a XRP… así que proyectaré cinco años para lograr un 14%.”

• Ripple contends that their technology enables faster capital movement rather than just communication of transactions, positioning it effectively against traditional banking systems. XRP serves as a bridge currency, allowing instant conversions between different currencies, thus minimizing the necessity for banks to reserve funds in foreign accounts.

Garlinghouse’s aspirations for XRP aim to challenge and potentially disrupt established financial systems, leveraging blockchain’s strengths.