Ripple CEO: XRP Ledger Could Power 14% of Liquidity in 5 Years

Ripple CEO Brad Garlinghouse has made a bold prediction at the recent XRP Ledger Apex 2025 event in Singapore. He stated that the XRP Ledger (XRPL) could power 14% of the global payment system liquidity within the next five years.

This statement suggests that Ripple is aiming to seriously disrupt how money moves across borders, an area traditionally dominated by legacy players like SWIFT. Find out more here!

XRP Ledger Could Power 14% of Liquidity 

RippleNet, the global payments network developed by Ripple, already boasts hundreds of financial institutions worldwide, including major banks and fintech companies. 

However, Ripple CEO noted that actual usage of XRP, Ripple’s native cryptocurrency, for On-Demand Liquidity (ODL) remains limited to select firms such as MoneyGram, SBI Holdings, and Santander.

The Ripple CEO emphasized that the current cross-border system is divided into two parts: messaging (handled by SWIFT) and liquidity (typically controlled by banks). But with XRPL, Ripple aims to shift the focus more toward liquidity provisioning itself.

So, Ripple CEO gave the statement that XRP Ledger (XRPL) could power 14% of the global payment system liquidity within the next five years.

Read More: Stripe Acquires Privy, Crypto-Based Financial Services

XRP Ledger Could Dominate the Global Payment System

The statement that XRP Ledger (XRPL) could power 14% of liquidity in 5 years is an ambitious vision, but also a realistic one. If that happens, XRPL could dominate the global payment system.

Here are several key reasons why the XRP Ledger stands out as a candidate for handling a large share of global payment liquidity:

1. Lightning-Fast Settlement: XRPL settles cross-border transactions in 3–5 seconds, drastically faster than SWIFT’s multi-day process.

2. Minimal Transaction Costs: Sending value across borders using XRPL costs just fractions of a cent, compared to SWIFT’s high fees of $20–$50 per transaction.

3. Scalability and Ecosystem Growth: At Apex 2025, Ripple announced an EVM-compatible sidechain and expanded support for tokenized real-world assets like US Treasuries, further widening the XRPL's scope beyond payments.

4. Security and Transparency: Ripple CTO David Schwartz addressed concerns around auditing financial records, highlighting XRPL’s potential for trustworthy and verifiable transaction history on-chain.

Read More: Trust Wallet Launches First Major RWA Integration in Self-Custodial Wallet

Ripple’s Position Amid Legal and Technological Shifts

Despite speculations about a Ripple–SWIFT collaboration for the global payment system, there is no formal partnership at this time. 

However, the financial world is evolving. SWIFT is preparing for blockchain interoperability through its ISO 20022 upgrade scheduled for November 2025.

Meanwhile, Ripple’s long-standing legal battle with the U.S. SEC remains unresolved. Both parties paused their appeals earlier this year for a 60-day settlement negotiation window.

A key status update is expected by June 16, 2025, which will determine whether the lawsuit is heading toward closure, or resuming a lengthy appeal process.

Still, Ripple’s technological progress doesn’t seem to be slowing down. From new ecosystem enhancements to bold predictions by its CEO, the company is clearly positioning itself for the long term.

Read More: AURA Meme Coin Price Rises Over 7000%!

Conclusion

Ripple CEO's projection that the XRP Ledger could power 14% of global payment system liquidity is more than just a headline, it’s a signal of Ripple’s vision for a blockchain-powered financial future. 

With faster transactions, lower costs, and a growing ecosystem, the XRPL has the potential to seriously challenge traditional systems like SWIFT.

If Ripple continues on its current trajectory, both in innovation and legal resolution—the next five years could see XRP and its underlying ledger becoming a central pillar in global finance.

Explore expert insights, in-depth articles, and the latest crypto market trends on Bitrue blog. Whether you're a beginner or a seasoned trader, there's something valuable for everyone. Stay informed and ahead in your crypto journey. Register now on Bitrue and take the next step!

Read More: TUFT Price Has Surged, Is It Still Bullish?

FAQ

Who is Brad Garlinghouse?

Brad Garlinghouse is the CEO of Ripple, a blockchain-based company focused on revolutionizing global payments and cross-border financial infrastructure.

What is the XRP Ledger?

The XRP Ledger (XRPL) is an open-source blockchain technology developed by Ripple that allows for fast, secure, and low-cost international transactions.

What does "global payment system liquidity" mean?

It refers to the availability of liquid assets (like cash or easily tradable digital assets) used to settle cross-border payments. Ripple aims to use XRP as a tool to provide this liquidity more efficiently than banks.

Why is 14% market share significant?

Capturing 14% of global liquidity in cross-border payments would mean a massive increase in XRP usage and adoption, marking a potential shift in how international payments are handled.

Is Ripple working with SWIFT?

As of now, there is no official partnership between Ripple and SWIFT. However, both are advancing their own strategies to improve cross-border payments through technology.