{"id":855044,"date":"2025-06-12T09:11:49","date_gmt":"2025-06-12T14:11:49","guid":{"rendered":"https:\/\/newsycanuse.com\/index.php\/2025\/06\/12\/ripple-ceo-brad-garlinghouse-sees-xrp-capturing-14-of-swifts-market-in-five-years\/"},"modified":"2025-06-12T09:11:49","modified_gmt":"2025-06-12T14:11:49","slug":"ripple-ceo-brad-garlinghouse-sees-xrp-capturing-14-of-swifts-market-in-five-years","status":"publish","type":"post","link":"https:\/\/newsycanuse.com\/index.php\/2025\/06\/12\/ripple-ceo-brad-garlinghouse-sees-xrp-capturing-14-of-swifts-market-in-five-years\/","title":{"rendered":"Ripple CEO Brad Garlinghouse sees XRP capturing 14% of SWIFT\u2019s market in five years"},"content":{"rendered":"
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\"Ripple Ripple CEO Brad Garlinghouse sees XRP capturing 14% of SWIFT\u2019s market in five years<\/span> Oluwapelumi Adejumo \u00b7<\/span> 5 hours ago<\/span> \u00b7 2 min read<\/span> <\/span> <\/span> <\/span> <\/span><\/p>\n

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Brad Garlinghouse sees XRP’s on-demand liquidity as key to disrupting SWIFT’s banking dominance.<\/p>\n

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2 min read<\/span><\/p>\n

Updated:<\/span> Jun. 12, 2025 at 11:02 am UTC<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Ripple<\/a> CEO Brad Garlinghouse<\/a> believes XRP<\/a> could soon take a meaningful slice of the global payments sector.<\/p>\n

In a recent video<\/a> shared on X, Garlinghouse projected that XRP might capture as much as 14% of the volume currently processed through Society for Worldwide Interbank Financial Telecommunication (SWIFT)<\/a> within the next five years.<\/p>\n

He argued that the liquidity component of the SWIFT network presents an opportunity for digital assets like XRP.<\/p>\n

Currently, banks maintain control over most liquidity within SWIFT. Garlinghouse suggested that XRP, with its on-demand liquidity capabilities, could serve as a more efficient alternative for cross-border transfers.<\/p>\n

According to him:<\/p>\n

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\u201cSWIFT today has two components: messaging and liquidity. Liquidity is owned by banks. I think less about the messaging and more about liquidity. If you\u2019re driving all the liquidity, it\u2019s good for XRP. So, in five years, I\u2019d say 14%.\u201d<\/p>\n<\/blockquote>\n

Despite Garlinghouse\u2019s projection, XRP is down by around 4% in the last 24 hours to $2.24 as of press time. The token has declined by over 40% from its January all-time high of $3.8, according to CryptoSlate\u2019s<\/em> data.<\/p>\n

Can XRP displace SWIFT?<\/h2>\n

For decades, SWIFT has served as the backbone of global interbank messaging, with more than 11,000 institutions relying on it to exchange financial transaction data.<\/p>\n

In 2022 alone, SWIFT processed an average of 44.8 million messages daily, a figure that industry analysts believe surpassed 50 million in 2024.<\/p>\n

Yet, industry players believe that the growing interest in blockchain-based solutions from firms like Ripple is beginning to challenge this legacy infrastructure.<\/p>\n

Over the years, Ripple has built a suite of financial tools, including the XRP token, XRP Ledger<\/a>, and the Ripple USD<\/a> stablecoin. These tools aim to streamline cross-border payments with lower fees and near-instant settlement times.<\/p>\n

Ripple\u2019s ambitions, however, have not been without setbacks. The company spent years fighting legal action from the US Securities and Exchange Commission (SEC),<\/a> which accused it of selling XRP as an unregistered security. Notably, this legal cloud significantly slowed XRP\u2019s adoption by financial institutions.<\/p>\n

However, the SEC recently dropped its case against Ripple<\/a>, removing a significant obstacle to XRP\u2019s adoption. Market observers believe this legal clarity could accelerate XRP\u2019s growth and position it as a credible alternative to SWIFT.<\/p>\n

Mentioned in this article<\/h6>\n
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Latest Ripple<\/span> Stories<\/h5>\n<\/div>\n
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Press Releases<\/h5>\n<\/header>\n<\/div>\n<\/div>\n<\/div>\n

Read More<\/a>
\n Oluwapelumi Adejumo<\/p>\n","protected":false},"excerpt":{"rendered":"

Ripple CEO Brad Garlinghouse sees XRP capturing 14% of SWIFT\u2019s market in five years Oluwapelumi Adejumo \u00b7 5 hours ago \u00b7 2 min read Brad Garlinghouse sees XRP’s on-demand liquidity as key to disrupting SWIFT’s banking dominance. 2 min read Updated: Jun. 12, 2025 at 11:02 am UTC Cover art\/illustration via CryptoSlate. Image includes combined<\/p>\n","protected":false},"author":1,"featured_media":855045,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55995,25213],"tags":[],"class_list":{"0":"post-855044","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-garlinghouse","8":"category-ripple"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/855044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/comments?post=855044"}],"version-history":[{"count":0,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/posts\/855044\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media\/855045"}],"wp:attachment":[{"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/media?parent=855044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/categories?post=855044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsycanuse.com\/index.php\/wp-json\/wp\/v2\/tags?post=855044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}