Ripple CEO: XRP Will Capture 14% of SWIFT Transactions Within Next 5 Years
$XRP A tweet from crypto enthusiast JackTheRippler highlighted a bold statement from Ripple CEO Brad Garlinghouse during the XRP APEX event in Singapore 2025.
In the video shared, Garlinghouse explained his perspective on SWIFT’s system, drawing a distinction between its messaging function and the liquidity it handles. He stated that while messaging is one aspect of SWIFT’s operation, liquidity remains under the control of the banks.
Ripple CEO emphasized that the key focus should be on liquidity, as driving liquidity flow could directly benefit XRP. He then gave a projection, saying, “So, I’ll say five years. 14%.”
The comment refers to Garlinghouse’s estimate that XRP could capture 14% of SWIFT’s liquidity-based transaction volume within the next five years. The tweet accompanying the clip amplified the projection further by suggesting that this level of adoption could theoretically push the value of XRP above $ 1,000.
✨Estimating the Potential Settlement Volume
Currently, SWIFT processes a massive portion of global cross-border payments. Applying Garlinghouse’s projection, if XRP were to handle 14% of these transactions, the figure would translate into approximately $21 trillion in annual settlement volume. This estimate provides a framework for considering the potential scale of XRP’s involvement in global liquidity flows.
With XRP presently trading at $3.04 and holding a market capitalization of about $181 billion, the idea of processing $21 trillion annually raises questions about how such flows would impact its price.
The calculation is not straightforward, as settlement volume does not directly translate to market capitalization. Instead, the determining factor lies in liquidity demand and how frequently the same pool of XRP can be reused to facilitate transactions, otherwise known as velocity.
✨The Role of Liquidity and Velocity
If XRP were used with extremely high velocity, where tokens circulate daily through settlement processes, only about $57.5 billion worth of XRP liquidity would be needed to sustain $21 trillion in annual volume. Based on the current circulating supply of about 59.5 billion XRP, this level of demand would translate into a value of under $1 per coin.
However, if velocity slows and the same liquidity is reused less frequently, the required market value of XRP increases significantly. For example, if the turnover is closer to once every three to seven days, the necessary liquidity could rise to between $210 billion and $420 billion. Under such circumstances, XRP’s value could climb to between $3.50 and $7 per token. With even slower turnover, such as biweekly, XRP could reach around $14.
✨Assessing the Path Toward Higher Valuations
The tweet’s reference to XRP surpassing $1,000 reflects a desired outcome rather than a direct correlation to Garlinghouse’s estimate.
For XRP to reach such levels, either the circulating supply would need to be heavily reduced, or the liquidity demand required for global settlement would need to be dramatically larger than the $21 trillion projection.
Nevertheless, Garlinghouse’s statement underscores his confidence in XRP’s role as a liquidity solution in cross-border payments, particularly in capturing a portion of the flows currently routed through SWIFT.
While the exact price implications remain dependent on real-world adoption and transaction velocity, Garlinghouse’s prediction presents a scenario in which XRP could become a central component of global financial settlement.
The magnitude of $21 trillion in annual volume indicates that even modest changes in turnover assumptions could place significant upward pressure on XRP’s market valuation over time.
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In the video shared, Garlinghouse explained his perspective on SWIFT’s system, drawing a distinction between its messaging function and the liquidity it handles. He stated that while messaging is one aspect of SWIFT’s operation, liquidity remains under the control of the banks.
Ripple CEO emphasized that the key focus should be on liquidity, as driving liquidity flow could directly benefit XRP. He then gave a projection, saying, “So, I’ll say five years. 14%.”
The comment refers to Garlinghouse’s estimate that XRP could capture 14% of SWIFT’s liquidity-based transaction volume within the next five years. The tweet accompanying the clip amplified the projection further by suggesting that this level of adoption could theoretically push the value of XRP above $ 1,000.
✨Estimating the Potential Settlement Volume
Currently, SWIFT processes a massive portion of global cross-border payments. Applying Garlinghouse’s projection, if XRP were to handle 14% of these transactions, the figure would translate into approximately $21 trillion in annual settlement volume. This estimate provides a framework for considering the potential scale of XRP’s involvement in global liquidity flows.
With XRP presently trading at $3.04 and holding a market capitalization of about $181 billion, the idea of processing $21 trillion annually raises questions about how such flows would impact its price.
The calculation is not straightforward, as settlement volume does not directly translate to market capitalization. Instead, the determining factor lies in liquidity demand and how frequently the same pool of XRP can be reused to facilitate transactions, otherwise known as velocity.
✨The Role of Liquidity and Velocity
If XRP were used with extremely high velocity, where tokens circulate daily through settlement processes, only about $57.5 billion worth of XRP liquidity would be needed to sustain $21 trillion in annual volume. Based on the current circulating supply of about 59.5 billion XRP, this level of demand would translate into a value of under $1 per coin.
However, if velocity slows and the same liquidity is reused less frequently, the required market value of XRP increases significantly. For example, if the turnover is closer to once every three to seven days, the necessary liquidity could rise to between $210 billion and $420 billion. Under such circumstances, XRP’s value could climb to between $3.50 and $7 per token. With even slower turnover, such as biweekly, XRP could reach around $14.
✨Assessing the Path Toward Higher Valuations
The tweet’s reference to XRP surpassing $1,000 reflects a desired outcome rather than a direct correlation to Garlinghouse’s estimate.
For XRP to reach such levels, either the circulating supply would need to be heavily reduced, or the liquidity demand required for global settlement would need to be dramatically larger than the $21 trillion projection.
Nevertheless, Garlinghouse’s statement underscores his confidence in XRP’s role as a liquidity solution in cross-border payments, particularly in capturing a portion of the flows currently routed through SWIFT.
While the exact price implications remain dependent on real-world adoption and transaction velocity, Garlinghouse’s prediction presents a scenario in which XRP could become a central component of global financial settlement.
The magnitude of $21 trillion in annual volume indicates that even modest changes in turnover assumptions could place significant upward pressure on XRP’s market valuation over time.
🚀🚀🚀 FOLLOW BE_MASTER BUY_SMART 💰💰💰
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🚀🚀🚀 NOT JUST LIKE BUT, CLICK FOLLOW BE MASTER BUY SMART - Thank You.
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