Ripple CEO Doubles Down: XRPL Aims to Seize 14% of Global Bank Liquidity

Ripple''s CEO isn''t whispering—he''s shouting from the rooftops about XRPL''s ambitions to disrupt traditional finance. The target? A staggering 14% slice of bank liquidity markets.

Why banks should sweat

Forget ''crypto will change finance someday''—Ripple''s playing for keeps. The XRP Ledger''s speed and low costs position it to undercut legacy systems where it hurts: their trillion-dollar liquidity pools.

The cynical take

Banks will either adopt this tech or watch their margins evaporate—assuming regulators don''t protect them from competition (again). One thing''s certain: the 14% target isn''t a hopeful projection—it''s a shot across the bow.

TLDR

• Ripple CEO Brad Garlinghouse stated that XRPL could handle 14 percent of SWIFT’s transaction volume within five years.
• The statement was made during the 2025 XRPL Apex event held in Singapore.
• Ripple CTO David Schwartz supported the projection by emphasizing XRPL’s strength in real-time liquidity settlement.
• The XRP community responded positively, seeing the forecast as a serious strategic direction rather than speculation.
• Expert analysis estimates that XRPL would need a $700 billion liquidity pool to support its $21 trillion annual volume.

Ripple’s CEO, Brad Garlinghouse, has made a bold forecast about XRPL’s future role in global liquidity. During the 2025 XRPL Apex event in Singapore, he projected that XRPL could realistically handle 14% of SWIFT’s total transaction volume in five years. Ripple CTO David Schwartz also participated, supporting the idea that XRPL can compete in the liquidity space, not just messaging.

Garlinghouse emphasized XRPL’s strength in real-time settlement and liquidity, contrasting it with SWIFT’s traditional messaging network. He highlighted that liquidity, not messaging, drives true value in cross-border finance. This statement has added momentum to the long-standing belief in XRPL’s growing relevance in the financial sector.

This prediction aligns with Ripple’s vision to position XRPL as a bridge in the global payments system. The community’s attention has now shifted to the feasibility and implications of processing such a vast transaction volume. Both executives signalled a long-term commitment to expanding XRPL’s infrastructure to meet future liquidity needs.

Community Sees Real Future in XRPL

Members of the XRP community have responded positively to Garlinghouse’s recent statement, interpreting it as a serious forecast. Prominent figure Nietzbux expressed strong confidence, noting the CEO’s history of accurate projections. He emphasized that Ripple’s leadership has often made early statements that proved accurate over time.

This sentiment suggests the XRPL community places high trust in company leadership to execute its long-term strategy. Many believe Garlinghouse’s prediction reflects an internal roadmap rather than speculative optimism. The statement has sparked renewed enthusiasm about XRPL’s expanding role in the financial ecosystem.

The growing confidence also stems from Ripple’s consistent performance and strategic development. XRPL continues to gain ground in regions prioritizing real-time, low-cost cross-border transactions. As adoption increases, many see Ripple’s goals as increasingly attainable and well-aligned with global financial trends.

XRP Price in $21 Trillion Target Volume

If XRPL processes 14% of SWIFT’s $150 trillion volume, it would handle approximately $21 trillion annually. This translates to around $58 billion moving through the XRPL network each day. Such a transaction scale could significantly influence xrp price in the broader market.

XRPL uses XRP as a bridge asset, and its utility depends on liquidity and speed, not token consumption. ChatGPT analysis suggests that with a transaction velocity of 30 times per year, XRP WOULD require a $700 billion liquidity pool. This figure implies a base token value of $11.90 based on XRP’s full supply.

With moderate market activity, the token could reach $17.85, and under strong demand, it might touch $23.81. The estimated valuations depend on XRPL adoption, usage rate, and institutional participation. The next few years may define whether XRP achieves this projected scale.