In a striking forecast made at the XRP Ledger Apex 2025 conference in Singapore, Ripple CEO Brad Garlinghouse declared that the XRP Ledger (XRPL) could seize up to 14% of SWIFT’s global liquidity within the next five years. Garlinghouse’s comments underscore Ripple’s growing ambition to disrupt traditional finance by revolutionizing cross-border payments through blockchain-powered liquidity solutions.
Big conversations, bold ideas, real momentum.
— RippleX (@RippleXDev) June 12, 2025
Day 2 at @XRPLApex—the largest annual summit for the XRPL community—is underway now in Singapore. 🇸🇬 pic.twitter.com/1qs8oU9cPD
Garlinghouse emphasized that the real strength in cross-border transactions lies in liquidity—not messaging. While SWIFT is widely known for its global messaging network, Ripple is betting on its ability to handle the actual movement of capital. “SWIFT has two parts: messaging and liquidity. Liquidity is where the power lies,” Garlinghouse noted, underscoring XRP’s potential dominance if it captures this critical layer.
Ripple’s strategy hinges on leveraging crypto-based liquidity to facilitate faster, cheaper, and more transparent institutional value transfers. This approach challenges the conventional banking infrastructure, which often takes 1–5 business days to process international transfers—sometimes at exorbitant fees. In contrast, XRPL can settle transactions in seconds, offering both speed and cost efficiency.
Although past speculation linked Ripple to a potential SWIFT integration, those rumors were dismissed by key members of the XRP community in early 2025. Despite that, interest in XRP as a SWIFT alternative continues to rise. A Reddit user recently illustrated the growing dissatisfaction: “It cost me $150 to send $30K via SWIFT, and it’ll take up to 4 days. Will XRP take over soon?”
Recent metrics reinforce the appeal. XRP payment volume surged by 1,300% to $4.11 billion, as reported by CoinGape—an indicator of mounting institutional adoption.
Still, SWIFT’s dominance, built over decades, presents significant hurdles. Its established network and global acceptance won’t be easily displaced. For XRPL to truly rival SWIFT, it must scale rapidly and prove its reliability in handling vast international capital flows.
Also Read: Ondo Finance Brings Tokenized US Treasuries to XRP Ledger
Nonetheless, with XRP’s growing traction, lower fees, and real-time settlement capabilities, Garlinghouse’s vision of XRPL capturing a major slice of global liquidity is no longer far-fetched—it’s a bold, yet plausible, roadmap to the future of finance.
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of CoinBrief.io. Before making any investment decisions, you should always conduct your own research. Coin Brief is not responsible for any financial losses.
