Ripple CEO Predicts XRP Ledger Could Capture 14% of the SWIFT Market by 2030

Ripple CEO Brad Garlinghouse asserted that the XRP Ledger (XRPL) could capture 14 percent of the global liquid market currently dominated by SWIFT within five years. Speaking at the XRP Ledger Apex 2025 conference in Singapore, Garlinghouse emphasized that Ripple is focused on enhancing liquidity solutions to facilitate cross-border payments. He stated that while SWIFT may have won the messaging battle, absolute power lies in liquidity, which is the category Ripple aims to dominate. A broader vision of Ripple revolves around using XRPL to provide faster, cheaper cross-border transaction solutions. Garlinghouse stated that redefining international value transactions will rely on transferring control of messages to liquidity. This model disrupts the traditional banking system, which can take days to settle and is quite costly. The emphasis on institutional aspects and payment ability Ripple focuses on institutions. It provides on-demand liquidity by using XRP as a bridge currency to enable cross-border payments in seconds instead of days. This model contrasts with older systems like SWIFT, which can involve multiple intermediaries and lengthy processing times. The confirmation of XRP transactions usually takes a few seconds, which is a significant advantage compared to the 1-5 business days that traditional systems provide. The time and cost savings in transactions offer a powerful alternative for large-volume financial institutions. This has seen the XRPL achieve significant usage with XRP payment volume increasing by 1,300 percent over the past few months, reaching 4.11 billion dollars. Challenges and prospects of the liquid market Ripple's ambitions are very large. The global cross-border payment system SWIFT is easily the most widely used system and has decades of institutional integration and regulatory coordination. Ripple will have to demonstrate how XRPL can be effectively scaled without losing regulatory compliance in various financial areas. Moreover, reputable members of the XRP community have dismissed rumors regarding the topic of Ripple integrating or collaborating with SWIFT. XRP community members have dismissed rumors about Ripple partnering or integrating with SWIFT. There has been no official announcement regarding a partnership, and current activities seem aimed at developing Ripple's independent infrastructure. Ripple's Chief Technology Officer David Schwartz also complained about the complexity of auditing related to financial transactions. To achieve acceptance from larger organizations, he noted that the transparency and traceability of blockchain-based transactions must meet the expectations of regulators. Technical indicators support the strength of XRP The technical outlook of the XRP/USDT chart remains strong. At the beginning of 2025, XRP broke out strongly and traded above $2.20. The MACD indicator is bullish and the Relative Strength Index (RSI) indicates the potential for even more profits.

The market has been consolidated, which may indicate that it will continue to rise as long as positive sentiment and volume are maintained. With a strategic entry into the liquid market, Ripple is turning XRPL into a competitor in cross-border capital flow conversion.