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.
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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.