Ripple’s XRP Could Take 14% of SWIFT’s Cross-Border Volume by 2030, Ripple CEO States
XRP could capture 14% of SWIFT’s cross-border volume, suggesting the cost might strike $357 in five years. In the short term, an expert has anticipated a relocate to $5 once the possession secures the $2.6 zone. In a current update, CNF examined a statement by investment banking giant Morgan Stanley, which labelled Ripple (XRP) as a deserving option to SWIFT. As highlighted in that report, Boston University’s academic file on the Review of Banking & Financial Law has confirmed that banks that adopt Ripple can save as much as 60% of their total processing cost.
Echoing a similar belief, Ripple CEO Brad Garlinghouse has hinted that XRP could secure 14% of SWIFT’s cross-border payment market by 2030. At the recently held XRP PEAK 2025 event in Singapore, Garlinghouse highlighted XRP’s efficiency in assisting in payments worldwide, which places it ahead of competitors. Even so, he acknowledged the enviable status of SWIFT as a dominant player in the sector.
Per Garlinghouse’s observation, SWIFT operates on 2 key components namely– messaging and liquidity. Interestingly, he believes that focusing more on the seamless movement of capital rather than just communicating transactions would enable it to realize this ambition in just five years. For now, Ripple is reported to have a system that moves both the message and the money via blockchain technology.
There are 2 parts to SWIFT today: messaging and liquidity. Liquidity is owned by the banks. I think less about the messaging and more about liquidity. If you’re driving all the liquidity, it is good for XRP … so I’ll say five years, 14%. Impact of the 14% on XRP’s PriceExplaining how this might impact the XRP rate, pro-XRP lawyer John Deaton divulged in a now-deleted X post that capturing 14% of SWIFT’s daily market volume could be equivalent to $700 billion daily volume and $175 trillion annually for XRP. Currently, SWIFT is reported to process around $5 trillion in daily transactions.
Joining this conversation, another XRP enthusiast called Fulfillment clarified that SWIFT can move around $150 trillion annually. 14% of this, according to him, is $21 trillion. In this case, the movement of this amount through the XRPL might see XRP reaching $357 per coin.
Already, XRPL is gaining traction as it officially reveals support for USDC. As detailed in our last news piece, this effort is expected to drive more stablecoin liquidity to the network. Discussing the reason for the increasing adoption, blockchain expert SMQKE also mentioned that XRP provides better scalability than its competitors. As outlined in our recent blog post, Ethereum and Bitcoin do not have these features. Above all, they cannot handle the size of modern payments.
Currently, XRP is attempting to break above a crucial resistance level at $2.19 after rising by 2% in the last 24 hours.
According to our recent analysis, the asset might hit $5.5 in the near term once it makes a decisive move above the $2.6 level. As also noted in our last analysis, XRP might likely stage a 5x rise from the current level.
