XRP Ledger’s Bold Ambition: Can It Capture 14% of SWIFT’s Payment Market by 2030?

The XRP Ledger isn’t just playing the game—it’s rewriting the rules. With SWIFT’s legacy infrastructure creaking under the weight of inefficiency, Ripple’s blockchain solution is gunning for a 14% slice of global payments by 2030. No small feat for a protocol bankers still side-eye over coffee.

Why SWIFT Should Sweat

XRP’s ledger cuts settlement times from days to seconds—while SWIFT’s dinosaurs lumber through correspondent banking. Cross-border flows could flip from ‘why so slow?’ to ‘wait, it’s done?’ if adoption hits critical mass.

The Catch (Because There’s Always One)

Regulatory headwinds and institutional inertia won’t vanish overnight. Even if XRP bypasses SWIFT’s fees, old-money gatekeepers love their 1970s tech like a hedge fund loves overpriced sushi.

Final Take: Betting against blockchain’s speed is like shorting the internet in 1995—but don’t expect SWIFT to surrender its 14% without a fight.

XRP Ledger dynamics

The firm has scored high-profile partnerships and acquisitions from ONDO [ONDO] to Hidden Road as part of its broader goals. 

On traditional banks, it has collaborated with Japan’s SBI Holdings, Banco Santander, and Standard Chartered, among others.

However, the XRP Ledger network activity has dropped 94% in 2025, from 105K active users last December to 6K as of June. 

Source: The Block

Despite the slow traction on the network, its native token, XRP, has seen renewed whale interest in June. 

According to Santiment, whale transactions over $1M spiked in June (red). This coincided with the token’s jump from $2.0 to $2.35. 

Source: Santiment

Over the same period, market participants were bullish on the asset’s prospects, as shown by the positive spike in Weighted Sentiment. 

That said, XRP may retrace towards $2.0 for a likely springboard. According to the 7-day liquidation map, there were increasingly high liquidity pockets between $2.2 and $2.0.

This could act as price magnetic zones in case of a liquidity-hunt driven rally. 

On the upside, liquidity zones were located between $2.3-$2.4, and negligible concentration beyond $2.4. A sweep for the lower liquidity could be likely before targeting the upside price magnetic zone in the short term. 

Source: CoinGlass