Ripple CEO: XRP Can Capture 14% of SWIFT’s Volume in Five Years

Ripple CEO Brad Garlinghouse has made a bold projection about the future of XRP in global finance, forecasting that the digital asset could account for 14% of the volume currently processed by the SWIFT system within five years.Trade Crypto on KrakenSpeaking at the XRP APEX 2025 event in Singapore, Garlinghouse underscored XRP’s potential to disrupt the cross-border payments sector, traditionally dominated by the Society for Worldwide Interbank Financial Telecommunication (SWIFT). Highlighting the inefficiencies in existing systems, Garlinghouse stated:“SWIFT today has two components: messaging and liquidity. Liquidity is owned by banks. I think less about the messaging and more about liquidity. If you’re driving all the liquidity, it’s good for XRP. So, in five years, I’d say 14%.”Brad Garlinghouse predicts XRP will handle 14% of SWIFT’s volume in the next 5 years!🚀 pic.twitter.com/DO1aUXduA3Unlike SWIFT, which only coordinates the movement of funds through messaging protocols, Ripple aims to tackle the liquidity challenge directly. The company’s blockchain-based infrastructure enables not just transaction messaging but also the instantaneous transfer of value. This positions XRP as a viable alternative to traditional interbank systems, particularly for institutions seeking faster, more cost-effective cross-border settlements.Despite the ambitious forecast, XRP’s market performance remains volatile. At press time, the token was down roughly 4.7% on the day to $2.14, marking a 45% decline from its January 2025 all-time high of $3.92. Nonetheless, recent legal clarity, stemming from the U.S. Securities and Exchange Commission’s decision to drop its case against Ripple, has revived institutional interest and could pave the way for increased adoption.XRP’s growing utility is reflected in a series of significant recent developments. Singapore-based Trident Digital (TDTH) announced a $500 million capital raise to create a corporate treasury anchored on XRP. The initiative aims to acquire XRP as a long-term reserve, participate in staking for yield generation, and deepen integrations within the Ripple ecosystem. Trident has brought on Chaince Securities LLC to advise on execution, with the first phase of the treasury launch expected in H2 2025, pending regulatory approvals.Meanwhile, Circle has launched its USDC stablecoin on the XRP Ledger (XRPL), expanding the utility of the network for stablecoin-based transactions. This integration allows developers and institutions to leverage XRPL’s high-speed and low-cost infrastructure without relying on bridges, enhancing its DeFi and fiat on/off-ramping capabilities. USDC joins other stablecoins on the XRPL, including Ripple’s RLUSD, StraitsX’s XSGD, and Schuman Financial’s EURØP.Circle’s $USDC stablecoin is coming to the #XRPLedger.

Huge boost for the liquidity of the $XRP ecosystem!🌊https://t.co/D4uryuxm7dRipple is also pushing forward with its Ethereum Virtual Machine (EVM)-compatible sidechain, set to go live in Q2 2025. Currently in testnet with over 87 participants, the sidechain will enable Ethereum-based dApps to run on XRPL, using wrapped XRP as gas via evmOS and Axelar bridge.In addition, XRPL has begun hosting Ondo Finance’s OUSG, a tokenized representation of U.S. Treasuries, and secured a $100 million partnership with VivoPower International. VivoPower will deploy XRP within a DeFi strategy on Flare Network and adopt RLUSD as its primary reserve, further cementing Ripple’s foothold in the institutional blockchain finance space.Get Started on eToroeToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong.