Ripple CEO Brad Garlinghouse Predicts XRP Ledger Will Capture 14% of SWIFT's Global Liquidity by 2025

Ripple CEO Brad Garlinghouse made a bold prediction about the company's future market position during the XRP Ledger Apex 2025 conference in Singapore.

Brad Garlinghouse, CEO of Ripple, made a bold prediction about the company’s future market position during the XRP Ledger Apex 2025 conference in Singapore. According to Garlinghouse, the XRP Ledger could capture 14% of SWIFT’s global liquidity within the next five years.

This prediction was based on the growing adoption of the XRP Ledger among financial institutions for cross-border payments. As more organizations turn to institutional-grade blockchain technology, Garlinghouse believes that XRP Ledger’s speed and cost advantages will become increasingly apparent.

Traditional SWIFT transactions typically take between one to five days to settle, while XRP Ledger transactions can be processed and settled within seconds. This difference in speed is crucial for institutions moving large amounts of capital.

Financial organizations are looking to improve their operational efficiency, and faster settlement times are a key factor.

The cost difference between the two systems also favors XRP Ledger. Traditional SWIFT transfers can cost around $150 for a $30,000 transaction.

In comparison, XRP Ledger’s transaction fees are significantly lower, which could result in substantial cost savings for banks and financial institutions.

These advantages have contributed to increased adoption of the XRP Ledger platform. Recent data shows that XRP payment volume has increased by 1,300% to reach $4.11 billion.

This surge in payment volume underscores the growing institutional interest in the platform as organizations seek alternatives to traditional payment systems.

Many institutions are looking for faster and more cost-effective solutions for cross-border transactions, and blockchain technology is emerging as a viable option.

With its speed, cost efficiency, and institutional focus, the XRP Ledger is well-positioned to continue capturing market share from SWIFT in the coming years.

However, it remains to be seen how quickly the XRP Ledger can achieve 14% of SWIFT’s liquidity.

SWIFT has been the dominant player in cross-border payments for decades, and its network has widespread adoption among financial institutions worldwide.

Moreover, technical considerations, such as auditing challenges in financial transactions, are also important factors that will influence the development of next-generation payment systems.

Despite these challenges, Garlinghouse’s prediction highlights the potential for blockchain technology to disrupt the traditional financial landscape and create new opportunities for innovation and efficiency.