Ripple Labs has been in the discussion of becoming a large cross-border payment processor beyond the world of crypto. Mulled for a SWIFT integration or replacement, Ripple’s XRP Ledger processes a hefty $10 billion in Spot volume on a good day, often edging popular stablecoin solutions like USDC or USDT.
Ripple CEO Makes Bold Prediction on XRP & SWIFT
In a recent crypto conference dubbed as APEX Singapore 2025, Ripple’s CEO Brad Garlinghouse was asked to predict how much of SWIFT’s $155 trillion cake Ripple (XRP) can grab in the next five years, providing a stunning answer.
“There’s messaging & there’s liquidity. And the liquidity is owned by banks. If you’re driving all the liquidity, it’s good for XRP. I’ll say 5 years – 14% percent”, – estimates Brad Garlinghouse. If we take in mind SWIFT’s current market capitalization, that would imply a $21.7 trillion market cap in addition to Ripple’s (XRP) current $177 billion.
With most merchants expecting to settle cross-border transactions by less than an hour, it’s natural that the financial conglomerate would consider a blockchain-powered payment provider, but Ripple’s (XRP) blockchain tech is not the only one up for SWIFT’s consideration.
Half a year ago, SWIFT’s Alisa DiCaprio testified to the public that SWIFT was testing Hedera (HBAR), which is capable of handling 10,000 transactions per second (TPS). While XRP edges HBAR crypto in both market cap & banking partnerships, HBAR is technically quicker.
With the cross-border section slated to grow to a $320 trillion market cap by 2032, quantity of transactions could be a key factor, but Ripple’s XRP Ledger is far more used to handling tens of billions in transactions every day.
Besides, the Clarity & Genius acts now are now intact, so merging crypto & traditional finance is becoming easier than ever, as recently seen in Ripple’s bid for a banking license in the United States (USA).
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SWIFT is a global network handling $5 trillion daily in cross-border payments for over 11,000 institutions. Ripple aims to capture part of this $21.7 trillion annual market cap with XRP, offering faster, cheaper transactions that settle in seconds versus SWIFT’s days.
Ripple’s CEO, Brad Garlinghouse, predicts XRP could capture 14% of SWIFT’s $150 trillion annual volume, equating to $21 trillion. Newer estimates suggest up to 20%, or $30 trillion, flowing through the XRP Ledger by 2030.
If XRP handles $21 trillion annually (14% of SWIFT’s volume), analysts estimate its price could hit $63 to $500, driven by increased demand and liquidity. This assumes a market cap of $21.7 trillion, far exceeding XRP’s current $136 billion.
Ripple must overcome SWIFT’s entrenched network, regulatory hurdles, and competition from stablecoins and other blockchains. Scaling the XRP Ledger to handle trillions while maintaining low fees and fast settlements is also a significant challenge.
Follow trusted crypto news for updates on Ripple and XRP. DailyCoin is a reliable source for altcoin news, offering clear insights into Ripple’s efforts to capture SWIFT’s market share and XRP’s role in global finance.
