XRP SWIFT Prediction Sees 14% Share of Global Transactions

Ripple CEO Brad Garlinghouse has laid out a bold prediction, as reported by crypto analyst, JackTheRippler. Speaking at the XRP APEX 2025 event in Singapore, he said XRP could capture 14% of the global transaction volume currently handled by SWIFT within five years. If this happens, XRP’s value could soar past $1,000 per coin.

“It’s about making cross-border payments faster and simpler,” Garlinghouse said. “XRP can help banks move money instantly, safely, and cheaper than traditional methods.”

How XRP Differs from SWIFT

SWIFT is the network that banks use to coordinate international payments. It sends messages telling banks how much to pay. But it doesn’t move the money itself. XRP works differently. It can actually transfer funds in real time.

This difference is key. Banks no longer need to pre-fund accounts abroad. Payments that used to take days can now settle in seconds. Garlinghouse believes this is a huge advantage for banks and customers alike.

Why Investors Are Paying Attention

XRP’s speed and liquidity make it attractive to banks looking for efficient solutions. Capturing 14% of SWIFT’s transaction volume would be a major milestone. Even a small fraction of SWIFT’s trillions of dollars in yearly payments would make XRP a significant player in global finance.

For investors, this is exciting. Ripple’s On-Demand Liquidity (ODL) service could see wider adoption. More banks and companies might use XRP to move money quickly across borders.

Community Reaction

The XRP community reacted positively to Garlinghouse’s prediction. Many see Ripple’s goal as bold, but still within reach. Experts highlight the company’s growing list of partnerships with banks around the world and the steady upgrades being made to the XRP Ledger.

But the road ahead isn’t without obstacles. Tough regulations, rising competition from other digital assets, and the ups and downs of the crypto market could all slow Ripple’s progress. To succeed, Ripple will need to keep pushing innovation while working closely with regulators to build trust and stay compliant. 

Looking Ahead

Ripple is working hard to grow its network and improve its technology. Garlinghouse’s prediction reflects Ripple’s bigger goal: to make XRP a key part of global payments.

For small investors, this could be more than just another cryptocurrency. It’s a chance to back a digital asset that solves real problems. For banks and financial companies, it shows that trust in blockchain is slowly becoming stronger. With XRP, money can move across borders faster, cheaper, and more openly than before.

Unlike coins that are mainly bought for speculation, Ripple wants to prove that XRP has practical use. It’s designed to make international transfers simple, not just to sit in a wallet.

If Ripple achieves its vision, it could reshape the way global banking works. Other companies might follow, bringing blockchain into everyday finance. In that future, cross-border payments would look very different — and XRP could be at the center of it all.