At the XRP APEX 2025 conference in Singapore, Ripple CEO Brad Garlinghouse made a striking prediction. He said that XRP could command up to 14% of SWIFT’s global transaction volume within the next five years.His prediction is an indication that Ripple is strategically eyeing liquidity solutions as the new frontier in revolutionizing cross-border payments.
Garlinghouse pointed out that it will not be the messaging systems that will determine the future of global finance but rather who is in control of moving money itself.“SWIFT has two parts: messaging and liquidity,” he noted. The Ripple CEO added, “Liquidity is where the power lies. If XRP drives the liquidity layer, it stands to gain significantly.”
Ripple’s approach centers around crypto-based liquidity to enable faster, more efficient value transfer between institutions.The model is meant to circumvent the delays and expenses of the conventional banking system, especially in cross-border settlements.
To the already ambitious expectations of the company, Ripple’s Chief Legal Officer highlighted the fast development of tokenized assets, saying that it would not be unexpected to see hundreds of billions of tokenized global assets in the foreseeable future. XRP is positioned as an underlying infrastructure of such a financial ecosystem that is taking a new form.
The commentaries presented during APEX 2025 show the sentiment of Ripple on how the blockchain technology and the conventional financial system will co-exist or compete directly in the future. Ripple is placing a bet that focusing on liquidity, rather than just messaging, will be what will make the difference in the global payments market.
Such a shift would be huge, but with institutional interest in blockchain-based financial tools rising, the projections of Ripple are becoming more and more realistic. The digital finance world is changing rapidly and Ripple wants to be at the heart of the change.
Also Read: XRP News: First-Ever Tokenized US Treasuries Goes Live on Ripple’s XRPL
