XRP Ledger Could Capture 14% of SWIFT Liquidity

XRP Ledger is once again in the spotlight after Ripple CEO Brad Garlinghouse made bold comments during the 2025 XRPL Apex event in Singapore, reinforcing long-standing discussions about XRP’s potential dominance in the cross-border payment sector.

At the conference, Garlinghouse confidently suggested that the XRP Ledger (XRPL) could eventually process up to 14% of SWIFT’s global transaction volume. This statement has injected fresh enthusiasm into the XRP community and highlighted Ripple’s growing ambitions in the fintech world.

This provocative forecast was made during a Q&A session at the apex conference, where Ripple CTO David Schwartz also participated. The panel focused heavily on cross-border liquidity and Ripple’s broader role in transforming global financial infrastructure. Garlinghouse emphasized that while SWIFT serves primarily as a messaging system for banks, XRP provides real-time liquidity and settlement capabilities, offering a functional edge over incumbent methods of fund transfers.

Garlinghouse was direct in distinguishing between messaging and liquidity: “SWIFT connects institutions with messages, but it doesn’t move money in real time. That’s where XRP shines.” He stated that XRP’s ability to provide liquidity instantly positions it as a powerful solution to longstanding inefficiencies in global finance.

Community Confidence in Ripple’s Vision

One of the more vocal supporters of Ripple’s projection is Nietzbux, a respected voice in the XRP community. He asserted that Garlinghouse’s statements are typically rooted in long-term strategy, not mere hype, and often prove accurate over time. “When he speaks, he means it; it eventually comes true,” Nietzbux remarked, further validating widespread faith among XRP holders.

This confidence is shared across the XRP ecosystem, where many believe Ripple’s top executives have a well-defined roadmap and are merely signaling Ripple’s long-term commitments. For them, the CEO’s latest remarks are not speculative but a deliberate indication of XRP’s positioning in global finance over the next five years.

Picturing a $21 Trillion Vision

While some theories forecast SWIFT’s annual transaction value at an astronomical $1 quadrillion, more grounded insights—such as a 2023 Forbes report—place that number closer to $150 trillion.

Assuming Garlinghouse’s projection of 14% market share materializes, XRPL would be processing about $21 trillion annually. That translates to roughly $58 billion in daily transactions—an enormous volume that could redefine XRP’s utility in global banking frameworks.

To better understand the implications, The Crypto Basic collaborated with ChatGPT to analyze how such transactional throughput could affect XRP’s valuation. The AI model considered key dynamics, including token circulation and liquidity requirements, rather than fixed supply metrics.

According to ChatGPT, XRP is reused in transactions rather than consumed. If each token circulates roughly 30 times annually, the ecosystem would necessitate a liquidity foundation of around $700 billion. Given that XRP’s total supply is 100 billion tokens, this suggests a theoretical base price of approximately $11.90 per token.

Factoring in speculative demand and institutional adoption, ChatGPT projected even more optimistic price levels. Under moderate enthusiasm, XRP could rise to $17.85, and under robust market conditions, it might reach $23.81. While XRP is currently positioned around $2.30, such forecasts demonstrate the massive upside potential Ripple envisions through increased XRPL adoption.

Related: Expert Advice: Sell XRP If You’re Confused

As Ripple charts its course forward, the company remains focused on real-world applications of blockchain in finance, particularly in untapped corridors often ignored by traditional systems. If Garlinghouse’s prediction comes to pass, it will not only shift Ripple’s standing globally but position XRP as a central pillar in global liquidity management.