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- Ripple CEO forecasts major shift, predicting XRPL could control 14% of SWIFT’s global liquidity within five years.
- XRP payment volume soars, up 1,300% as institutions seek faster, cheaper cross-border solutions.
Ripple Lab’s growing ambition in the global payments space is again in focus after its CEO boldly predicted a potential XRP Ledger breakout. This has sparked fresh conversations about the future of XRP in the cross-border transaction market.
Ripple CEO Predicts Major Liquidity Shift
In an earlier update, we covered that the Dubai Government has issued digital assets directly on the XRPL (XRP Ledger) via a local issuer. This new initiative has reduced transaction fees by an impressive 50%.
In related news for the XRPL, Ripple CEO Brad Garlinghouse stated that the XRPL could capture 14% of SWIFT’s global liquidity within five years while speaking at the XRP Ledger Apex 2025 conference in Singapore.
Brad Garlinghouse pointed out that the future of global finance will be shaped by liquidity, not just messaging systems. Garlinghouse further explained that while SWIFT is known for messaging between financial institutions, the real power lies in how money moves.
According to him, Ripple’s focus is not only on faster payments but also on giving institutions better control over liquidity. During his presentation, he also mentioned that SWIFT has two parts: messaging and liquidity. Liquidity is where the power lies.
XRPL can settle transactions in seconds, compared to SWIFT’s 1–5 days. Brad Garlinghouse believes this is a clear advantage that could shift attention to Ripple’s network.
He also reiterated that Ripple is not just building another payment rail. It is trying to change how value moves across borders. This puts the firm in direct competition with SWIFT, which still dominates the space but is often criticized for being slow and expensive.
In line with this conversation, David Schwartz, Ripple’s CTO, also spoke at the conference. He stressed the need for transparency in financial systems and noted that one of today’s biggest challenges is properly auditing financial movements.
Still, Ripple hopes to solve this with the technology behind XRPL, which offers clear transaction trails. As highlighted in our previous news brief, the Deep Freeze amendment has been added to the XRPL to increase compliance and security and attract institutional trust.
These amendments are essential to boost the overall protocol functionalities.
Community Optimism Grows Amid XRP Payment Surge
It is worth mentioning that XRP Ledger was also at the centre of recent payment volume reports. As reported, the payment volume on XRPL has jumped by 1,300% to reach $4.11 billion. This spike in activity suggests more institutions may be turning to Ripple’s solution for cross-border settlements.
Despite previous speculation, Ripple has not partnered with SWIFT. In April 2025, several XRP community members denied the rumors. However, the possibility of XRP gaining market share remains strong, especially with growing dissatisfaction around high SWIFT fees.
One user on Reddit recently shared how it cost $150 to send $30,000 through SWIFT, and the transaction was expected to take up to four days.
Ripple is positioning the XRP Ledger as a faster and more cost-effective alternative. If it captures even a fraction of SWIFT’s market, as Garlinghouse predicted, XRP may see a sharp increase in adoption and price. As of now, the coin was changing hands for $2.237, down 3.58% in 24 hours.
Additionally, CNF recently reported that Ripple has launched a new grant program tied to the XRP Ledger. This grant targets promising early-stage Web3 startups in Japan to boost blockchain innovation in Asia.
