Headline-Focused, Analyst Brief Style
Ripple’s XRP Could Handle Double-Digit Share of SWIFT Volume by 2030, CEO Predicts
Singapore — Ripple CEO Brad Garlinghouse says XRP could account for up to 14% of global cross-border transaction volume currently handled by SWIFT within five years, highlighting a bold ambition to redefine the global liquidity layer.
Speaking at the XRP APEX 2025 event, Garlinghouse separated SWIFT’s messaging role from actual capital movement, stating that “liquidity is where XRP wins.”
“SWIFT tells banks what to do. XRP helps them actually move the money. That’s a different game,” he noted.
Ripple’s core pitch is that XRP can function as a real-time liquidity bridge, allowing financial institutions to skip traditional intermediaries and eliminate the need for nostro/vostro accounts.
While SWIFT still dominates interbank messaging, Ripple is betting that institutions will shift toward capital-efficient solutions over the next several years — especially in emerging markets and high-volume corridors.
