XRP could be gearing up for a massive price breakout, potentially hitting double digits, if Ripple CEO Brad Garlinghouse’s bold forecast becomes reality. Speaking at the XRP APEX 2025 event in Singapore, Ripple CEO Brad Garlinghouse projected that XRP could handle 14% of SWIFT’s global transaction volume within the next five years. The key, he says, lies in liquidity, not messaging.
SWIFT handles a massive chunk of global financial transactions, estimated at around $150 trillion per year. Garlinghouse emphasized that while SWIFT is known for messaging, the real value lies in liquidity which is the actual movement of money. That’s where XRP fits in as a bridge asset, designed to facilitate instant cross-border payments.
If XRPL captures 14% of SWIFT’s volume, that would mean $21 trillion flowing through the ledger annually. But XRP doesn’t need to store this full amount. Instead, its value depends on how quickly the same tokens circulate through the system. This “token velocity” determines how much XRP needs to be locked up at any time to handle global flows.
At the moment, XRP is ranked fourth on CoinMarketCap with a $136 billion market cap. The token is trading at $2.31 after modest gains this week. With institutions showing more interest in blockchain-based solutions, XRP is gaining new attention as a serious player in cross-border finance.
There have also been talks of a potential collaboration, or even replacement, between Ripple and SWIFT. Garlinghouse hinted at the idea earlier this year, and a former SWIFT employee claimed that banks have tested XRP’s compatibility with the SWIFT system.
A surge in XRP’s price would significantly increase its market capitalization, making it more attractive to institutional investors who seek assets with higher liquidity and a proven track record of growth and stability.
Ripple emphasizes liquidity because the real value in cross-border payments lies in the swift and efficient movement of actual funds, not just sending messages. XRP acts as a bridge currency to provide on-demand liquidity, cutting costs and delays.
Challenges include overcoming SWIFT’s deep-rooted global network and regulatory backing, achieving widespread adoption by diverse financial institutions, and navigating ongoing regulatory uncertainties, particularly in the U.S.
A collaboration could modernize global payments by integrating blockchain efficiency with SWIFT’s existing reach. It could lead to faster, cheaper cross-border transactions and set a precedent for traditional finance adopting digital assets.
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