SWIFT Is Losing Transactions to XRP Ledger. Here’s the Latest
2025-07-14 19:09:24

Main Idea
SWIFT's transaction volume has declined by 15%, while the XRP Ledger (XRPL) is gaining traction as a faster and cheaper blockchain-based alternative for global payments.
Key Points
1. SWIFT's transaction volume has dropped by 15%, signaling a shift toward blockchain-based solutions like XRPL for faster and more cost-effective settlements.
2. The XRP Ledger offers real-time settlement, cost efficiency, and interoperability, making it an attractive alternative to traditional systems like SWIFT.
3. Ripple CEO Brad Garlinghouse predicts XRPL could capture 14% of SWIFT's $150 trillion annual transaction volume within five years, potentially shifting over $21 trillion to XRPL.
4. If XRP handles a significant portion of this volume, its price could surge to between $11 and $25 per token, based on conservative usage estimates.
5. XRPL's growth and SWIFT's decline are measurable trends, indicating a structural shift in global payments toward blockchain technology.
Description
In a recent post on X, XRP Avengers reported that SWIFT’s transaction volume has dropped by 15%, while activity on the XRP Ledger (XRPL) is rapidly accelerating. This shift underscores a quiet but powerful transformation in the global payments landscape: faster, cheaper, and blockchain-based settlement via XRP is emerging as a formidable alternative to traditional banking infrastructure. SWIFT’s Declining Grip on Global Payments For decades, SWIFT has served as the backbone of international fina...
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