At the 2025 APEX developer summit, Ripple CEO Brad Garlinghouse delivered a bold projection that sent ripples through the crypto and financial sectors alike. Speaking during an interview, Garlinghouse stated that XRP could capture up to 14% of SWIFT’s global volume within the next five years, a forecast that, if realized, would radically reshape the global payments landscape and fuel speculation about XRP’s long-term valuation. The moment was highlighted by prominent XRP community voice JackTheRippler, who shared the clip on X. In the video, Garlinghouse explains that when thinking about SWIFT, the global financial messaging network, it’s essential to separate its messaging layer from its liquidity infrastructure. While SWIFT’s messaging service facilitates instructions between banks, the actual liquidity,i.e., the money movement, remains controlled by the banks themselves. Garlinghouse made it clear that XRP’s value proposition lies in capturing the liquidity component. “Driving all the liquidity is good for XRP,” he said, before confidently estimating a 14% market share of SWIFT’s operations over the coming five years. BREAKING: CEO of @Ripple – Brad Garlinghouse says at APEX 2025 event: “XRP could capture 14% of SWIFT volume in just 5 years.” THAT'S OVER $1,000 PER #XRP ! pic.twitter.com/w1sF218T9o — JackTheRippler © (@RippleXrpie) June 11, 2025 A New Era of Liquidity Optimization Garlinghouse’s remarks align with Ripple’s long-standing thesis: that global financial institutions need faster, cheaper, and more transparent ways to move money, especially across borders. Traditional SWIFT transfers often take several days, involve high costs, and lack transparency. XRP, by contrast, settles in seconds with minimal fees and is particularly suited for corridors that suffer from illiquidity or high remittance friction. By focusing on liquidity, Ripple positions XRP as not merely a messaging tool like SWIFT but as an actual bridge asset, capable of removing the need for pre-funded nostro/vostro accounts. This significantly reduces capital costs for financial institutions and enables real-time global settlements. If XRP were to capture 14% of SWIFT’s liquidity volume , it would represent a multi-trillion-dollar opportunity. While no specific valuation was attached to the projection during the APEX event, JackTheRippler has speculated that such a scenario could justify an XRP price exceeding $1,000, though that remains highly theoretical and dependent on broad institutional adoption. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Strategic Timing at APEX 2025 The setting for the statement is worth noting. APEX is Ripple’s flagship developer conference, co-hosted with the XRP Ledger Foundation. The event draws builders, enterprises, and financial innovators from around the world, and this year’s edition has been filled with announcements reflecting a maturing and rapidly expanding XRPL ecosystem. Garlinghouse’s remarks fit squarely within the larger narrative of Ripple’s evolution—from a blockchain startup to a global financial infrastructure company. With ongoing CBDC pilots, partnerships with banks and remittance providers, and increasing regulatory clarity in key jurisdictions, Ripple appears poised to scale its solutions in tandem with macro-level shifts in global finance. The Road Ahead While ambitious, Garlinghouse’s 14% projection is not a marketing soundbite; it reflects Ripple’s confidence in XRP’s growing utility in solving real-world liquidity problems. The convergence of blockchain with ISO 20022 standards, SWIFT’s openness to third-party digital currencies, and the increasing pressure on banks to modernize cross-border payments all create a tailwind for XRP’s adoption. As traditional finance continues its transformation, XRP may no longer be seen as a challenger from the outside, but as a key player in the infrastructure of tomorrow. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Ripple CEO: XRP Could Capture 14% of SWIFT Volume In Just 5 years appeared first on Times Tabloid .
