- Ripple CEO Brad Garlinghouse predicts that the XRP Ledger could capture 14% of SWIFT’s global liquidity within five years, focusing on faster and cheaper cross-border transactions.
- With a 1,300% surge in payment volume and the launch of an EVM-compatible sidechain, Ripple is positioning XRP Ledger as a leading solution for global liquidity.
Ripple CEO Brad Garlinghouse has set an ambitious target: the XRP Ledger could capture 14% of SWIFT’s global liquidity within five years. Speaking at the XRP Ledger Apex 2025 conference in Singapore, Garlinghouse emphasized that Ripple is not aiming to replace SWIFT’s messaging system, but to revolutionize the liquidity layer that powers international payments.
🧠 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
Speed and Cost Are Ripple’s Key Weapons
SWIFT transactions can take up to five days to settle. In contrast, the XRP Ledger settles transactions in just seconds. This time difference is critical for financial institutions handling large-scale, cross-border payments where every second—and every dollar—counts.
Moreover, while SWIFT transfers can cost up to $150 for a $30,000 transaction, XRP offers drastically lower fees. These cost and speed advantages are pushing banks and institutions to consider Ripple’s blockchain-based solution as a viable alternative for global liquidity needs.
Ripple Sees Institutional Adoption Surge
Garlinghouse’s optimism is supported by recent numbers. XRP’s payment volume has skyrocketed by 1,300%, reaching $4.11 billion. This surge signals growing institutional interest, especially among organizations searching for faster, cheaper, and more efficient cross-border solutions.
The increasing volume reflects a broader trend: traditional payment systems are losing ground to innovative platforms that prioritize speed and cost-effectiveness. Ripple’s focus on liquidity rather than messaging gives it a unique advantage in this shift.
Expanding the Ecosystem with EVM Compatibility
In a significant technical move, Ripple has launched an Ethereum Virtual Machine (EVM)-compatible sidechain. This allows developers to build applications that operate seamlessly across both Ethereum and XRP Ledger ecosystems.
The sidechain not only boosts the XRPL’s interoperability but also makes it more appealing to a wider range of developers. By bridging two major blockchain communities, Ripple is positioning itself as a versatile and forward-thinking player in the decentralized finance space.
While SWIFT remains the dominant force in cross-border payments, Ripple’s advances in speed, cost-efficiency, and technical development are quickly closing the gap. With a clear focus on solving real-world liquidity challenges, XRP Ledger is gaining credibility as a next-generation alternative.
Garlinghouse’s bold prediction may seem lofty today—but with surging payment volume, rapid settlement times, and expanding developer tools, Ripple is laying the foundation to make it a reality.
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