Ripple CEO Predicts XRP to Seize 14% of SWIFT in 5 Years

At the XRP APEX 2025 event in Singapore, Ripple CEO Brad Garlinghouse projected that XRP will capture 14% of SWIFT’s liquidity-based transactions within the next five years. He highlighted the distinction between SWIFT’s messaging network and the actual liquidity controlled by banks. Garlinghouse estimated that a 14% share of SWIFT’s global cross-border settlement volume would amount to approximately $21 trillion annually. This projection underscores XRP’s potential role as a high-speed liquidity solution in international payments. The CEO explained that the impact on XRP’s market value depends on token velocity. If XRP liquidity circulates daily, only about $57.5 billion in XRP would be needed to support $21 trillion in transactions—implying a price under $1. With slower turnover (once every three to seven days), required liquidity could rise to $210–$420 billion, pushing XRP’s price to $3.50–$7. Biweekly velocity might lift XRP toward $14 per token. While a theoretical price above $1,000 per XRP would demand a drastic supply reduction or far greater liquidity flows, Garlinghouse’s forecast highlights growing demand for digital asset liquidity. His 14% target for XRP adoption in SWIFT transactions suggests a bullish outlook for cross-border payments and market valuation trends.