Stunning prediction from Ripple CEO: XRP could dethrone Swift!

Ripple CEO: XRP Ledger Could Receive 14% of Swift's Global Liquidity

Ripple CEO Brad Garlinghouse said XRP Ledger (XRPL) could revolutionize global payment systems, capturing 14% of Swift's liquidity in five years. This statement came during the press session at the XRP Ledger Apex 2025 event held in Singapore on June 10.

📊 XRP Ledger's Liquidity Target and Global Spread Vision

• Garlinghouse noted that they are focused on real liquidity flows beyond the messaging infrastructure.
• Although there is cooperation with hundreds of banks through the RippleNet network, the actual use of XRP belongs to a limited group of users.
• It was emphasized that being a liquidity driven system would provide a key advantage for XRP Ledger.
• Swift's current liquidity structure is limited to banks, which creates a market gap for XRPL.
• The CEO of Ripple stated that XRP's liquidity focus has the potential to drive the global flow of finance.

👨 ‍ 💼 Technological Vision and Auditing Obstacles

• David Schwartz, CTO of Ripple, pointed out the main problems in auditing financial transactions.
• It was emphasized that situations such as missing registration and debt in traditional systems can be easily bypassed.
• It was noted that transactions with XRPL are more transparent in terms of record keeping and verification.
• With new developments, a more reliable financial structure is aimed.
• It was pointed out that blockchain-based audit structures are much more flexible and effective than classical systems.

🌍 Speed, Cost and Competitive Advantage

• XRPL stands out for its ability to complete cross-border payments in 3—5 seconds.
• While Swift's transaction times are usually a few days, XRPL offers a significant advantage in terms of speed.
• XRPL transfer costs are under a penny, which gives it serious competitiveness against Swift, which receives $20—50 per transaction.
• Speed and cost in global payment systems have become one of the most important reasons of choice for banks and users.
• These advantages of XRPL are critical in terms of potential partnerships and market share gain.

🤝 Growth Drive with New Technologies and Real World Assets

• The announcement of an Ethereum Virtual Machine (EVM) compliant sidechain offers developers broad integration.
• Infrastructure enhancements have been made for real-world assets such as tokenized U.S. Treasury bonds.
• These moves reflect Ripple's goal to go beyond just being a cross-border payment system.
• Along with new technologies, XRPL aims to play a more effective role in DeFi and tokenized financial products.
• Ecosystem expansion reinforces XRP's long-term value proposition.

📉 Litigation, Conciliation Process and Regulation Uncertainties

• The litigation process between Ripple and the SEC has been temporarily halted with a 60-day settlement window.
• The announcement, due by June 16, will carry important signals about the possibility of reconciliation between the parties.
• If there is no settlement, the appeal process will begin again, and the case could drag on until 2026.
• Ripple has made it a strategic priority to resolve this case in the second quarter of 2025.
• The course of the case will be decisive in terms of XRP's price movements and investor interest.

🧠 Expert Review

Ripple's challenge to Swift's liquidity system with XRP Ledger is redefining the role of crypto assets within traditional financial systems. While regulatory hurdles and litigation can pose risks in the short term, in the medium term, the speed, cost and technological integration possibilities offered by XRPL can turn Ripple into an attractive investment story. In the long term, Ripple's synergy with tokenized assets and global payment networks offers high potential for investors.

✅ Take Action

Ripple's strategic moves and technological innovations on XRPL could herald new opportunities in the investment world. Start reviewing immediately to assess opportunities without missing developments:
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🛑 Disclaimer

This content is created by Investment Desk AI and does not constitute investment advice. You should make your decisions based on your own research and expert advisors.

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