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Ripple CEO Says XRP’s Takeover of SWIFT’s Customers Loud and Clear

2025-07-09 06:04:47

Ripple CEO Says XRP’s Takeover of SWIFT’s Customers Loud and Clear

Main Idea

Ripple CEO Brad Garlinghouse announced at the APEX 2025 Event that Ripple aims to displace SWIFT by targeting liquidity in cross-border payments, with a goal of capturing 14% of SWIFT's current volume within five years.

Key Points

1. Ripple's long-term objective is to provide an actual flow of money across borders, focusing on liquidity rather than just messaging protocols.

2. Ripple’s XRP-powered On-Demand Liquidity (ODL) platform enables money transfers without pre-funded accounts, enhancing efficiency.

3. Garlinghouse predicted Ripple would capture 14% of SWIFT’s current volume within five years, reflecting confidence in institutional adoption of XRP.

4. Ripple is expanding partnerships and pursuing banking licenses in key jurisdictions to strengthen its position in the market.

5. The company aims to serve use cases where SWIFT remains inefficient or costly, positioning XRP as the future liquidity layer of international payments.

Description

In a recent video posted by FinanceBro (@FinanceBroYT) on X, Ripple CEO Brad Garlinghouse discussed what he sees as the future of global financial infrastructure. During the APEX 2025 Event, Garlinghouse made clear that Ripple is aiming beyond traditional cross-border messaging systems. Rather than trying to displace SWIFT on its terms, Ripple is targeting liquidity, the core of financial value movement. Garlinghouse explained that there are two parts of SWIFT’s system: “There’s messaging, and t...

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Cryptocurrency News Brad Garlinghouse Ripple CEO SWIFT XRP
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