Ripple’s XRP Could Take 14% of SWIFT’s Cross-Border Volume by 2030, Ripple CEO Says

• XRP could capture 14% of SWIFT’s cross-border volume, suggesting the price could hit $357 in five years. 
• In the short term, an analyst has predicted a move to $5 once the asset secures the $2.6 zone. 

In a recent update, CNF reviewed a statement by investment banking giant Morgan Stanley, which labelled Ripple (XRP) as a worthy alternative to SWIFT. As highlighted in that report, Boston University’s academic document on the Review of Banking & Financial Law has confirmed that banks that adopt Ripple can save up to 60% of their total processing cost.

Echoing a similar sentiment, 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 APEX 2025 event in Singapore, Garlinghouse highlighted XRP’s effectiveness in facilitating payments internationally, which positions 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 two key components namely – messaging and liquidity. Interestingly, he believes that focusing more on the seamless movement of capital instead of just communicating transactions would enable it to realise 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 two 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 Price

Explaining how this could impact the XRP price, pro-XRP lawyer John Deaton disclosed in a now-deleted X post that capturing 14% of SWIFT’s daily market volume could be equal 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 discussion, another XRP enthusiast called Fruition 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 could see XRP reaching $357 per coin.

Already, XRPL is gaining traction as it officially announces support for USDC.  As detailed in our last news piece, this initiative is expected to drive more stablecoin liquidity to the network. Explaining the reason for the rising adoption, blockchain analyst SMQKE also pointed out that XRP offers better scalability than its competitors. As outlined in our recent blog post, Bitcoin and Ethereum lack these features. Above all, they cannot handle the size of modern payments.

Currently, XRP is attempting to break above a key resistance level at $2.19 after surging by 2% in the last 24 hours.

According to our recent analysis, the asset could 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 could likely stage a 5x surge from the current level.

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