Ripple CEO Projects XRP Ledger to Capture 14% of SWIFT’s Liquidity by 2030

At the 2025 XRPL Apex event in Singapore, Ripple CEO Brad Garlinghouse made a bold prediction about the future of the XRP Ledger (XRPL). He stated that XRPL could potentially handle 14% of SWIFT's transaction volume within the next five years, highlighting Ripple's strategic focus on liquidity solutions over messaging networks. Garlinghouse emphasized the importance of liquidity in global finance, suggesting that XRPL's efficiency and scalability position it as a strong contender in the cross-border payments space. This projection underscores Ripple's confidence in XRP's ability to disrupt traditional financial systems and its growing adoption among institutional players. The announcement has sparked renewed discussions about XRP's role in the future of decentralized finance and its potential to compete with legacy systems like SWIFT.

Ripple CEO Foresees XRP Ledger Capturing 14% of SWIFT's Liquidity Within Five Years

Ripple CEO Brad Garlinghouse has reignited discussions about the XRP Ledger's potential to disrupt global finance during the 2025 XRPL Apex event in Singapore. His projection that XRPL could handle 14% of SWIFT's transaction volume within five years underscores Ripple's strategic focus on liquidity solutions rather than messaging networks.

"Liquidity is what truly matters," Garlinghouse emphasized during a Q&A session with CTO David Schwartz. The statement clarifies XRP's value proposition: real-time settlement capabilities that address cross-border payment inefficiencies. This vision has galvanized the XRP community, with prominent figures like Nietzbux affirming the CEO's conviction.

Ripple and SEC Seek to Modify Final Judgment in XRP Lawsuit Amid 'Exceptional Circumstances'

Ripple Labs and the U.S. Securities and Exchange Commission have jointly petitioned the court to dissolve an injunction and reduce penalties in their long-running legal battle. The filing cites "exceptional circumstances," including potential settlement terms and evolving SEC crypto policies, as grounds for relief.

The motion follows Judge Analisa Torres' May rejection of a similar request, which she deemed procedurally improper without demonstrating extraordinary justification. This latest attempt invokes Federal Rules of Civil Procedure 62.1 and 60(b), seeking to release $50 million of the $125 million penalty from escrow.

Legal observers note the unusual nature of the joint filing, interpreting it as potential groundwork for settlement negotiations. The SEC's shifting enforcement approach under Chair Gary Gensler appears to be creating new dynamics in high-profile crypto cases.