Expert Says Ripple CEO Means What He Says Amid Claims XRPL Will Capture 14% of All Bank Liquidity

Ripple CEO Brad Garlinghouse has added weight to the long-standing discussion within the XRP community about the XRPL potentially handling a significant portion of SWIFT’s transaction volume.

His comments on this enduring speculation have further strengthened the community’s conviction in the promising future of XRP.

Notably, this statement came during the ongoing 2025 XRPL Apex event in Singapore. Garlinghouse stated that the XRP Ledger (XRPL) could realistically handle 14% of SWIFT’s total transaction volume within the next five years.

The remark came during a Q&A session in which Ripple’s CTO, David Schwartz, also participated. They addressed questions concerning the future of cross-border liquidity.

Responding to a question about how XRPL might compete with SWIFT’s dominance in global finance, Garlinghouse drew a key distinction between SWIFT’s role as a messaging network and its function in liquidity. He stated that XRP’s strength lies in real-time settlement and liquidity provisioning, not in facilitating messages between banks.

Garlinghouse said that liquidity is what truly matters, and that’s where XRP can deliver real value and solve real-world problems. In this context, he foresees a future in which XRP controls up to 14% of SWIFT’s liquidity.

Community Reaction: “He Means It”

Most recently, XRP community figure Nietzbux expressed strong confidence in Garlinghouse’s forecast, noting that the Ripple CEO has a consistent track record of making statements that later come to fruition.

“When he speaks, he means it; it eventually comes true,” he said.

According to Nietzbux, the projection that XRP could capture 14% of the global bank liquidity currently processed through SWIFT is a serious indicator of Ripple’s strategic intent, not just optimistic rhetoric.

This view reflects a popular sentiment within the XRP ecosystem that Ripple’s leadership often signals its long-term direction well before the broader market catches on.

XRP Price in $21 Trillion Target Volume

While theoretical estimates place SWIFT’s total transaction volume at over $1 quadrillion annually, more grounded numbers suggest a different picture. According to a 2023 Forbes report, SWIFT’s annual volume stood at $150 trillion in real-world volume.

If Ripple’s 14% projection plays out, the XRPL could be handling around $21 trillion annually, or nearly $58 billion daily, within five years. That level of adoption could significantly impact XRP’s price.

While XRP is currently trading at $2.30, estimating the effect of processing $58 billion daily on its price is complex. To assess the potential impact, The Crypto Basic turned to AI-based analysis by ChatGPT.

ChatGPT explained that XRP, used as a bridge asset in cross-border payments, is not consumed per transaction but is instead reused. This makes liquidity and transaction velocity more relevant than supply scarcity.

If each XRP token circulates about 30 times per year, the network would require a liquidity pool of approximately $700 billion to support $21 trillion in annual volume.

Based on XRP’s full supply of 100 billion tokens, this implies a base price of roughly $11.90 per token. Factoring in speculative interest and institutional adoption, ChatGPT noted that XRP’s price could rise further. It sees XRP potentially reaching $17.85 with moderate market enthusiasm, or $23.81 under strong demand.