XRP Could Handle 14% of SWIFT Transactions, Says Ripple CEO Brad Garlinghouse

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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.

Why 14% of SWIFT Volume Matters

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.

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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.

XRP’s Current Standing

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. 

Ripple and SWIFT Rumors

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.