XRP Is on Track to Claim a Significant Foothold in the Global Financial Ecosystem

XRP is on track to claim a significant foothold in the global financial ecosystem, with Ripple CEO Brad Garlinghouse predicting that the token could capture

Brad Garlinghouse, CEO of Ripple (CRYPTO: XRP), predicts that XRP could capture 14% of SWIFT's market share in just five years.

What Happened: Garlinghouse made the remarks at the APEX 2025 event on Friday.

"I care less about messaging and more about liquidity. Like, if Ripple drives all the liquidity, it's good for the coin," Garlinghouse said.

He added: "I think in five years, XRP will take 14% of SWIFT volume. And to put that in perspective, SWIFT does about $12 billion per day in payments. So 14% of that is over $1 billion per day, or $1,000 per XRP at today's prices."

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"They are focusing on messaging, but I think they are going to get to liquidity. And when they do, they are going to be surprised by who is providing it."

Garlinghouse was referring to the fact that SWIFT, the Society for Worldwide Interbank Financial Telecommunication, is a major player in the foreign exchange market.

SWIFT is a decades-old interbank messaging system used by thousands of financial institutions in over 200 countries. It is used to facilitate the vast majority of cross-border financial transactions.

But while SWIFT is the industry standard, it suffers from major inefficiencies. Transactions typically take one to five days to complete and come with steep costs and limited transparency.

XRP, on the other hand, settles transactions in seconds and does so more economically, which is a factor that could be key to driving a paradigm shift, according to Ripple.

The Importance Of LiquidityIn addition to its speed and efficiency, XRP is also highly liquid. This is a critical factor for institutional investors, who need to be able to enter and exit positions quickly and easily.

According to Garlinghouse, this focus on liquidity is a key difference between Ripple's strategy and SWIFT's.

"I care less about messaging and more about liquidity. Like, if Ripple drives all the liquidity, it's good for the coin," Garlinghouse said.

"I think in five years, XRP will take 14% of SWIFT volume. And to put that in perspective, SWIFT does about $12 billion per day in payments. So 14% of that is over $1 billion per day, or $1,000 per XRP at today's prices."

Garlinghouse's remarks come amid growing interest in blockchain technology for payments. As institutions increasingly experiment with crypto solutions to streamline international payments, XRP is well-positioned to benefit.