If there’s one thing we love about the crypto space, it’s how the underdogs just refuse to stay quiet. Case in point: Ripple’s XRP. We’ve all seen XRP bounce around on the charts like it’s riding a rollercoaster, but now it looks like it’s aiming for something much bigger than a short-term pump. According to Ripple CEO Brad Garlinghouse, XRP might just be stepping up to challenge one of the most entrenched systems in global finance: SWIFT.
Yep, that SWIFT—the one responsible for connecting 11,000+ banks across 200 countries. But here’s where it gets even more interesting: Garlinghouse claims that XRP could soon handle 14% of SWIFT’s global volume. That’s not a subtle ambition—that’s a direct shot at legacy infrastructure. And we’re watching closely.
From Messaging Protocol to Digital Payments Contender
Let’s rewind a bit. SWIFT isn’t actually a payment processor—it’s more like a highly secure messaging system that tells banks where to move money. It’s reliable but slow, with settlement often taking days. That’s where Ripple’s tech, powered by XRP, comes in hot. It enables near-instant cross-border transactions, 24/7. Garlinghouse’s point? The world deserves faster pipes.
In his recent comments at the Bloomberg Invest Summit, he didn’t hold back. He projected Ripple’s blockchain infrastructure could realistically snatch a double-digit share of global volume that currently flows through SWIFT. Now, considering SWIFT reportedly facilitates $150 trillion in annual transactions, even 14% is a multi-trillion dollar slice.
Breaking Down the XRP Model
We’re not here to overhype blockchain—but facts are facts. XRP doesn’t just sit there as a speculative token. It’s actually built for utility. Ripple’s On-Demand Liquidity (ODL) service uses XRP as a bridge currency between fiat pairs—say, converting USD to PHP without needing a pre-funded nostro account. That cuts out friction, fees, and settlement times.
Plus, Ripple’s already partnered with financial institutions across 55+ countries. So, this isn’t some vague promise. The infrastructure is live, the use cases are real, and it’s scaling quietly. It’s no wonder Garlinghouse believes XRP has the stamina to tackle a hefty portion of global B2B payments.
Compliance and Global Pushback
Now let’s keep it honest. The road to dominance isn’t all green candles and champagne. Ripple’s legal battle with the SEC over XRP’s classification as a security has been a drag on its momentum. Still, the company has expanded globally, with particular traction in Asia-Pacific and Latin America, where regulators have shown more openness to blockchain-based financial rails.
And that’s the core of it—Ripple’s playing the long game. It’s not about replacing SWIFT overnight; it’s about quietly offering an alternative that just works better in a digital-first world. The market’s catching on.
Why We’re Paying Close Attention
We’ve got our eyes locked on moves like this because they reveal the future of global value transfer. This isn’t about trading tokens—it’s about changing the plumbing of global finance. Whether Ripple hits that 14% target or not, the mere fact that the conversation is happening at this level tells us the tides are shifting.
Also, if you’re looking at the intersection of blockchain and real-world financial use, XRP isn’t just noise. It’s one of the rare assets that’s actually building something tangible—and that’s worth watching closely.
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Disclaimer: The information provided on this page is for educational and informational purposes only and should not be construed as financial advice. Crypto currency assets involve inherent risks, and past performance is not indicative of future results. Always conduct thorough research and consult with a qualified financial advisor before making investment decisions.
The crypto currency and digital asset space is an emerging asset class that has not yet been regulated by the SEC and US Federal Government. None of the information provided by Kenson LLC should be considered as financial investment advice. Please consult your Registered Financial Advisor for guidance. Kenson LLC does not offer any products regulated by the SEC including, equities, registered securities, ETFs, stocks, bonds, or equivalents.
