Analyst Says Ripple CEO Is Certain About XRP Ledger Claiming 14% Market Share From SWIFT

Ripple CEO Brad Garlinghouse has reinforced confidence in the long-discussed potential of the XRP Ledger (XRPL) to capture a significant share of global banking liquidity. Speaking at the 2025 XRPL Apex event in Singapore, Garlinghouse stated that XRPL could handle up to 14% of SWIFT’s total transaction volume within the next five years, a projection that has inspired discussions within the XRP community. Garlinghouse Emphasizes Liquidity Over Messaging During a Q&A session that also featured Ripple CTO David Schwartz, Garlinghouse addressed questions about the competition between XRPL and the SWIFT network. He drew a clear distinction between SWIFT’s role in messaging and XRP’s capability in enabling real-time liquidity and settlements. According to Garlinghouse, the true value in cross-border transactions lies not in messaging systems but in the ability to move liquidity efficiently, an area where XRPL is uniquely positioned. He noted that XRP was developed to address the shortcomings of legacy banking infrastructure and that it offers real utility through its speed and efficiency in facilitating international payments. Based on this foundation, he sees a realistic path for XRPL to capture a double-digit share of global bank liquidity currently routed through SWIFT. Analyst’s Opinion On Ripple CEO’s Strategic Outlook The response to Garlinghouse’s remarks has been largely positive among XRP supporters. One notable figure, Nietzbux, stated that the Ripple CEO has a history of making forward-looking statements that align with the company’s long-term strategy. He emphasized that Garlinghouse’s statements should not be viewed as speculation but as indicators of Ripple’s direction and strategic intent. Nietzbux also argued that Ripple’s leadership often communicates long-term objectives well in advance, giving the community early insight into the company’s roadmap. I’ve studied @bgarlinghouse ‘s messaging for years. When he speaks, he means it, it eventually comes true. Saying $XRP will capture 14% of all bank’s liquidity currently going through Swift is no joke. Reality is setting in. He knows it. The world knows it. — nietzbux (@nietzbux) June 11, 2025 We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Market Implications of a $21 Trillion Volume Target SWIFT processes an estimated $150 trillion in annual transaction volume, based on 2023 data from Forbes . If Ripple achieves its 14% target, XRPL could be responsible for moving approximately $21 trillion annually, equivalent to around $58 billion per day. Such volume would significantly elevate XRP’s role in global finance and could have a material effect on its market value. To evaluate the potential pricing implications, ChatGPT was used to run a theoretical analysis. Since XRP functions as a bridge currency rather than a consumable asset, the focus shifts to how often tokens circulate and the volume of liquidity required. According to the analysis, if each XRP token were reused around 30 times per year, the network would need roughly $700 billion in liquidity to sustain a $21 trillion annual flow. Given XRP’s maximum supply of 100 billion tokens, this would imply a base price of approximately $11.90 per token. Additional factors, such as institutional involvement and speculative demand, could push the price higher. With moderate investor interest, ChatGPT projected a possible price of $17.85. Under conditions of strong adoption and market confidence, the token’s value could rise as high as $23.81. Garlinghouse’s recent statements reflect Ripple’s broader strategy of positioning XRP as a cornerstone of cross-border liquidity infrastructure. By focusing on efficiency and real-time settlement capabilities, Ripple aims to fill gaps left by legacy systems like SWIFT, which were not built for modern, high-speed financial ecosystems. While such projections remain subject to market conditions and regulatory developments, the consistency in Ripple’s messaging and leadership vision continues to resonate with its supporters. As Ripple expands its presence globally, the coming years will test whether XRP can achieve the scale and utility envisioned by its leadership. 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 advised to conduct thorough 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 X , Facebook , Telegram , and Google News The post Analyst Says Ripple CEO Is Certain About XRP Ledger Claiming 14% Market Share From SWIFT appeared first on Times Tabloid .

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