Ripple’s ambitions in the global payments space have grown louder and more direct, as its CEO Brad Garlinghouse, openly stated at APEX 2025 that the company is aiming to take over SWIFT’s customer base. The commentary follows Ripple’s long-term strategy to shift global banking infrastructure away from legacy systems to the blockchain-based XRP Ledger. Meanwhile, central banks are increasingly taking note, with recent reports revealing that the capacity of Ripple’s network is currently being studied alongside SWIFT’s systems in experiments. Garlinghouse Sets Sights On SWIFT’s Market Share Speaking at the APEX summit, Ripple CEO Brad Garlinghouse declared that Ripple’s goal is not only to compete with SWIFT but to replace its role in moving money on the global scale. According to Garlinghouse, although SWIFT is very dominant in messaging, the most important thing is the liquidity that banks can provide. Related Reading: Ripple To Replace SWIFT? XRP Analyst Breaks Down Recent Developments “I think less about the messaging and more about liquidity,” he said. Ripple is targeting this deeper infrastructure among banks, which is the actual movement of value. Interestingly, Garlinghouse asserted that Ripple plans to capture up to 14% of SWIFT’s current cross-border volume within five years. That’s a bold number, especially considering the scale at which SWIFT currently operates. Recent estimates show that SWIFT currently facilitates more than 45 million financial messages and handles around $5 trillion in money transfers daily. Even a 14% share of that market would represent hundreds of billions of dollars in value flowing through Ripple’s ecosystem, which would create a significant demand for XRP in the process. Central Banks Are Tapping In Garlinghouse’s comments come at a time when institutional momentum appears to be shifting in Ripple’s favor. Interestingly, Ripple’s global push is not limited to private sector partnerships. A crypto enthusiast on the social media platform X known as Finance Bull recently drew attention to growing central bank interest in blockchain-based payment infrastructure. Unsurprisingly, Ripple’s technology is the key focus to this growing interest. Related Reading: Ripple Plans To Take 14% Of SWIFT Volume, USDC Lands On XRPL – What Does This Mean For XRP Price? Ripple’s xCurrent solution, which is built on the Interledger Protocol (ILP), was recently studied alongside SWIFT’s gpi system as part of Project Stella. Project Stella is a collaborative research initiative by the European Central Bank and the Bank of Japan. Basically, what this means is that central banks are starting to look into Ripple’s technology, which says a lot about the ecosystem’s outlook in the coming years. The fact that two of the world’s most influential central banks reviewed Ripple’s infrastructure alongside SWIFT is a signal that XRP’s utility is now being evaluated at the core of global monetary policy discussions. These developments closely align with what many fervent XRP supporters have long believed. There have been recurring predictions among the community’s most confident voices that XRP’s price is destined to move far beyond its current all-time high of $3.40. Some technical analyses have predicted double-digit prices for XRP. Other predictions for the XRP price are as high as $1,000. Featured image from Getty Images, chart from Tradingview.com
A recent analysis by a crypto market expert has reignited interest in XRP’s potential utility, especially in the context of Ripple capturing a portion of SWIFT’s global transaction volume. According to the expert, if Ripple secures just 14% of SWIFT’s market share, the implications for XRP’s supply and potential could be significant. XRP’s Potential If Ripple Takes On 14% Of SWIFT Market expert Crypto Eri has emphasized, through detailed mathematical calculations, the impact Ripple, capturing 14% of SWIFT’s total annual cross-border volume, could have on XRP’s supply and daily transactions. Notably, the market expert emphasized that if Ripple were to process such a percentage, which is roughly $4.2 trillion, it would require a surprisingly small portion of XRP’s total supply to support the transaction. Related Reading: XRP Price Still On Track For $1.5T Market Cap And 27% Crypto Market Dominance According to Crypto Eri’s calculations, the $4.2 trillion annual volume translates to approximately $11.5 billion in daily transaction value. To assess how much the altcoin would be needed to facilitate this, the analyst assumed a deliberately conservative scenario, with each token being used once every three minutes. This is significantly slower than XRP’s actual settlement capability of 3 to 5 seconds but was chosen to reflect the potential liquidity management constraints in real-world applications. With 86,400 seconds in a day and each transaction occupying about 80 seconds, each XRP could be used for up to 480 transactions daily. Moreover, at the current market price of $2.15, Crypto Eri calculated that one XRP could facilitate $1,032 worth of transactions per day. To process the estimated $11.5 billion in daily volume, this would need approximately 11.15 million XRP tokens. This figure is striking when compared to XRP’s circulating supply, which currently stands at around 58.82 billion tokens. Crypto Eri stated that just 0.0190% of this supply would be necessary to handle the calculated transaction volume, reinforcing the idea that XRP’s high velocity and reusability make it a possible efficient bridge asset. Overall, Crypto Eri’s Ripple-SWIFT analysis model presents a compelling case for XRP’s utility in the global payments space. Her calculations and projections have also sparked widespread engagement across the crypto community, with several independent researchers and members concurring with her assessment and contributing their data-driven models to validate the projections further. The Token Burn Rate Estimates For Trillion-Dollar Use Case As XRP’s potential utility in global finance is brought into focus by Crypto Eri, the market expert also offers new insight into XRP’s burn rate in terms of fees needed to facilitate a $5 trillion annual transaction volume. A crypto community member followed up on the analyst’s earlier Ripple and SWIFT calculations by asking how many of the token would be conservatively burned through transaction fees. Related Reading: Liquidity Levels Show XRP Price Is Headed Up, But Must Cross $2.40 First The analyst estimated that only 5,000 XRP would be permanently burned in the process—an astonishingly small figure considering the massive scale of value being transferred. The estimate assumes an average transaction size of $10,000, which would result in roughly 500 million transactions per year to reach the $5 trillion mark. Featured image from Getty Images, chart from Tradingview.com
Ripple CEO Brad Garlinghouse predicted that XRP could soon take a chunk of SWIFT’s trading volume. Meanwhile, Circle’s USDC recently launched on the XRP Ledger (XRPL). Both developments could provide a huge boost for the XRP price, given the altcoin’s role in the XRPL ecosystem. XRP Price Gets A Boost With Ripple CEO Garlinghouse’s Prediction At the XRPL Apex Conference, Brad Garlinghouse predicted that the XRP could capture 14% of the volume that SWIFT processes by 2030. He noted that SWIFT has two key components: messaging and liquidity. The Ripple CEO added that liquidity is where the power lies and that if XRP drives the liquidity layer, it would gain significantly. This could also spark a surge in the XRP price in the process. Related Reading: Ripple Issues Stern Warning To Investors As CEO Celebrates New XRP Milestone Ripple uses XRP for its payment services, which it runs on the XRPL. In this case, Ripple is betting on taking 14% of SWIFT’s trading volume because of how fast and easy it is to process these cross-border transactions using blockchain technology. This isn’t the case for SWIFT, as the platform focuses more on interbank messaging for these cross-border transfers. In a now-deleted X post, pro-XRP lawyer John Deaton commented on this prediction and what it could mean for the XRP price. He stated that SWIFT processes approximately $5 trillion in transactions daily. This means that 14% of SWIFT’s daily market volume equates to $700 billion daily or approximately $175 trillion annually. Deaton failed to give a particular price prediction based on these numbers. However, Fruition, another XRP community member, provided a calculation that could put the XRP price in triple digits. In an X post, they noted that SWIFT moves 150 trillion per year and that 14% of that is 21 trillion. Fruition added that 21 trillion through the XRPL means 58 billion tokens, which equates to $357 for the XRP price. Circle’s USDC Launches On XRPL In an X post, Circle announced that its USDC stablecoin is now available on the XRP Ledger, another development that is bullish for the XRP price. The stablecoin firm noted that XRPL users will now be able to use USDC for DeFi liquidity provisioning, payments, and it could also serve as a settlement option for infrastructure apps. Related Reading: Daily Timeframe Says XRP Price Is On The Verge Of Breakout Crypto analyst Moon Lambo broke down why the USDC launch on XRPL is bullish for the XRP price. He stated that this development will substantially increase the total value locked on the network, which is a major predictor of whether the XRP price will appreciate. The crypto analyst added how this provides additional utility for XRP. He noted that the altcoin will be used to pay gas fees on every USDC transaction on the network. At the time of writing, the XRP price is trading at around $2.15, up almost 2% in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
SWIFT dominates interbank messaging for cross-border transfers. Ripple can compete on its ability to seamlessly to move capital, Brad Garlinghouse said.
Ripple CEO Brad Garlinghouse believes XRP could soon take a meaningful slice of the global payments sector. In a recent video shared on X, Garlinghouse projected that XRP might capture as much as 14% of the volume currently processed through Society for Worldwide Interbank Financial Telecommunication (SWIFT) within the next five years. He argued that […]
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The son of U.S. President Donald Trump said the current financial system is broken and blockchain technology is the fix.
Recent happenings with whales have caused turbulence in the XRP market. A transaction of 131 million XRP tokens, which is around $273 million worth, has sent jitters among investors. This occurrence comes during the tough battle of XRP in attempting to cut through the resistance at $2.16. Related Reading: Solana Hits Milestone As Canada OKs First Spot ETFs Large Wallet Transfers Raise Questions About Market Stability As per blockchain monitoring by Whale Alert, an unknown owner moved 131 million XRP between wallets in a single transaction. The activity prompted conversations on trading platforms as investors attempted to decipher the move. The wallet addresses used haven’t been traced to any known exchanges or parties, further fueling uncertainty. This was not a one-off action, though. Only 12 hours ago, another big holder transferred XRP valued at $63 million. These consecutive moves by major token holders indicate that a trend may be emerging. Some observers think these may be over-the-counter transactions, while others are concerned about potential selling pressure to materialize. ???? ???? ???? ???? ???? ???? ???? ???? ???? ???? 131,000,000 #XRP (273,945,648 USD) transferred from unknown wallet to unknown wallethttps://t.co/CnMiTrxABL — Whale Alert (@whale_alert) April 15, 2025 Price Continues To Fail To Break $2.17 Resistance XRP has been unable to break the $2.17 barrier in recent times despite several attempts. These rejections have undermined bullish momentum and driven the price lower. According to reports, XRP traded at approximately $2.06 within the last 24 hours, and down by 4%. The digital asset had registered a positive growth in the last week with a gain of 14%. Yet this upward movement wasn’t sustained even after the noise surrounding whale movement. The unplanned realignment of tokens is causing traders immediately across the marketplace to respond adversely. Market analyst CasiTrades indicated that XRP might drop towards the support levels lower than $1.90 in case the downtrend persists. The analyst even indicated a likely drop to $1.55 if the volume of selling gains momentum higher than the present volumes. Such prices may present chances for buying once market interest re-emerges. JUST IN: SWIFT nearing agreement with Ripple to use #XRP for cross-border payments, with billions of $XRP secured in escrow as liquidity reserves. IF THIS IS TRUE WE ARE GOING TO $10,000+ pic.twitter.com/Tl4Y3FP6g6 — THE RIPPLE WHALES (@RIPPLE_WHALES) April 15, 2025 Long-Term Outlook Still Remains Promising There are still some analysts who think XRP has a bright future, although it’s been weak recently. Investors get excited sometimes due to rumors of an XRP ETF and a potential agreement with payment system, SWIFT. But nothing significant has happened in the market from those expectations so far. Related Reading: Crypto Holders Beware! New Malware Drains ETH, SOL, XRP Wallets Currently, market participants are split. Large institutional trades and price pullbacks at key levels are resulting in conflicting views. The $1.90 to $1.55 support zone is critical. XRP must remain above this zone for the price to have any possibility of increasing soon. The market is still following XRP closely in anticipation of concrete news. Whale movements and the chronic resistance at $2.16 are decisive factors in the direction of the market in the next few days. Featured image from Pexels, chart from TradingView
Crypto-focused media outlet Watcher Guru confirmed that its official X account was hacked to promote a fake report claiming Ripple and SWIFT were close to a deal to use XRP in global payment systems. The unauthorized post went live on March 21 at 2:05 A.M. UTC. It falsely stated that Ripple would soon partner with […]
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Crypto pundit Andrei Jikh has reignited the $100 XRP price target, sparking a bullish sentiment in the XRP community. The analyst outlined several factors that could contribute to the parabolic rally to the ambitious $100 target. Factors That Could Contribute To The $100 XRP Price Target In a YouTube video, Jikh highlighted a potential end to the Ripple SEC lawsuit as one of the factors that could spark the XRP price rally to the $100 target. He cited the SEC’s removal of the Ripple case from its website, which indicates that legal pressure is easing. The Commission’s agreement with Binance to pause their ongoing legal battle has also sparked optimism that the Ripple lawsuit could soon end. Related Reading: XRP Price Enters Golden Pocket: Analyst Says It’s A Good Buy At These Levels Jikh then alluded to a Nasdaq report stating that 80% of Japanese banks are set to adopt XRP for global payments. The analyst is confident that this move will cause adoption to skyrocket, which could contribute to the projected rally to $100. He noted that Japan’s banking system is huge, which makes this a big deal for the altcoin. Furthermore, the crypto pundit highlighted the potential approval of the XRP ETFs as another factor that could drive the XRP price to the $100 target. He noted how the Bitcoin price surged to new highs after the Bitcoin ETFs were approved, and Jikh believes something similar could happen. Another factor that the crypto analyst believes could contribute to the XRP price rally to $100 is the possibility of Ripple’s payment system replacing SWIFT. He highlighted how the global payment industry is worth trillions of dollars. As such, Ripple processing a huge chunk of these global payments could cause XRP’s utility and demand to skyrocket, ultimately impacting its price. Other Bullish Fundamentals For The Altcoin Meanwhile, Jikh also alluded to the XRP Ledger (XRPL) and Ripple’s Real USD (RLUSD) as factors that could contribute to the XRP price rally to $100. He noted that the XRPL processes around 1,500 transactions, making it a potential option for tokenization plans, which is bullish for the asset. Related Reading: XRP Bulls Shake Off Crash, Target This Major Resistance On The Road To $3.85 If the XRPL becomes the go-to platform for tokenizing real-world assets such as stocks and bonds, this will help drive demand up and make the crypto more valuable. The RLUSD stablecoin is also bullish for XRP as its burn mechanism helps remove XRP from circulation as its utility grows. Jikh then alluded to the possibility of Ripple CEO Brad Garlinghouse being on the White House Crypto Advisory Council. This is especially bullish for the XRP price as Garlinghouse being on the Council could cement its place in the newly-created US sovereign wealth fund. At the time of writing, the asset’s price is trading at around $2.55, up over 4% in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com
A well-known crypto analyst, Crypto Beast, has made a bold prediction about XRP future price trajectory, suggesting that it could reach $15 with ease under specific conditions. This interesting outlook comes amidst a consolidation of prices, which is now looking to regain momentum above $3. Banks Adopting XRP Could Send It To $15 Bitcoin was created to disrupt the traditional financial industry and compete with the existing global financial system. While many other early cryptocurrencies like Ethereum and Litecoin also built upon this premise, XRP took another approach. Its creators developed it as a solution for fast and efficient cross-border transactions, aiming to complement the existing financial infrastructure rather than replace it. Related Reading: XRP Long Term Potential Remains Extremely Bullish Possibility Of Price At $20 Despite its intended role in improving financial transactions, XRP has faced years of price struggles, with long periods of decline over multiple years overshadowing its utility. This lackluster growth led many traders to lose faith, with some dismissing it as a dying asset. Interestingly, despite regulatory challenges and market downturns, the asset remained one of the top-ranking cryptocurrencies by market capitalization throughout this period. However, recent price rallies have breathed life into XRP. Particularly, this rally has seen the value of XRP grow massively since November 2024 and is now the third largest crypto in terms of market cap. This has seen sentiment around the altcoin shifting into a more optimistic direction, with some crypto analysts who doubted before now revealing bullish price targets for its price. One of these analysts is Crypto Beast, who recently shared a $15 price prediction for XRP. Speaking to his over 560,000 followers on social media platform X, Crypto Beast stated that XRP’s price could surge to $15 if banks worldwide fully integrate the token into their systems. Is $15 A Pipe Dream Or A Realistic Target There is a valid question of whether XRP can realistically trade at $15 given its tokenomics. As of now, XRP has a total supply of 99.9 billion tokens, with 57.7 billion coins currently in circulation. Its market capitalization stands at $177.6 billion, while its fully diluted valuation is around $307.8 billion. If XRP were to reach $15, its market cap would need to grow to approximately $865.5 billion, assuming no significant increase in circulating supply. This would also push its fully diluted valuation close to $1.5 trillion. Related Reading: XRP Price Rallies To ATH At $3.4, Here’s What’s Driving It And Why The Pump Will Continue Such a surge would place XRP ahead of Ethereum in market cap rankings and within striking distance of Bitcoin. On the surface, this might seem like a challenging milestone, but it could become feasible if the asset gains widespread adoption in cross-border payments and replaces current methods like SWIFT. Consequently, the token’s demand will increase significantly, driving sustained price growth. According to Changelly, the XRP price can reach the $15 target sometime around 2033. At the time of writing, the altcoin is trading at $3.08. Featured image from Adobe Stock, chart from Tradingview.com
Bernardo Moura is looking to upend SWIFT’s dominance of the massive international payments industry, starting with Latin America.
The pilot was run as part of the Monetary Authority of Singapore's Project Guardian.
Swift, the global bank messaging network, announced on Nov. 5 that it has concluded a pilot program to streamline tokenized fund settlement and redemption using fiat currency on its network in collaboration with UBS Asset Management and Chainlink. This initiative aims to link digital asset transactions with existing fiat payment systems, reaching over 11,500 financial […]
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SWIFT said it is uniquely positioned to interlink the fragmented digital asset landscape with its upcoming digital currency trials in 2025.
The large private companies will work with seven central banks on improving structural inefficiencies in international transfers.
Minima, a layer-1 blockchain focused on decentralized physical infrastructure network (DePIN) solutions, is collaborating with Mercury FX, a global currency payment solution, to develop an alternative to SWIFT, the world’s largest payments messaging network. According to a July 24 statement shared with CryptoSlate, this proof of concept will leverage Maxima—Minima’s information transport layer protocol—which allows […]
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The Ethereum layer-2 solution is leveraging Chainlink for blockchain interoperability and real-world price data.
Major stakeholders in the U.S. financial sector, including Citi, JPMorgan, Mastercard, Swift and Deloitte, are teaming up to explore sharing ledger technology by simulating multiasset transactions in dollars.
The digital tenge has been used for everything from free school lunches to tokenizing gold, and there’s more to come.