The CEO of Ripple Brad Garlinghouse provides that the Ledger XRP (XRPL) could capture 14% of Swift World Liquidity within five years, emphasizing liquidity compared to email services.
Garlinghouse made these comments during a press session at the XRP Ledger Apex 2025 in Singapore on June 10.
Ripple establishes high ambitions for the major XRP book
Currently, Ripplenet, the global Ripple payment network, has hundreds of banks among its users.
However, the actual use of XRP by liquidity on demand (ODL) remains limited to a selected group, notably Moneygram, SBI Holdings and Santander.
“Swift today has two components: the message and the liquidity,” said Garlinghouse. “Liquidity belongs to banks. I think less of messaging and more on liquidity. If you drive all the liquidity, it’s good for XRP. So in five years, I would say 14%. “
Ripple’s CTO, David Schwartz, also spoke during the event, highlighting a fundamental audit challenge in financial transactions.
“The big problem with the audit is that if I give you a lot of recordings and tell you to audit them, you can say that these recordings are cool,” said Schwartz. “The problem arises if I owe money to someone or if something remarkable not included in the files provided.”
Ripple and XRPL frequently surface in discussions on potential rapid integration due to XRPL rapid payment speeds.
More specifically, the network only takes three to five seconds to settle cross -border payments, compared to traditional transactions of several days of Swift.
In addition, XRPL costs are considerably lower. It is under a fraction of a hundred per transfer, compared to the Swift costs of $ 20 to 50 per transaction.
Despite the market speculation on a potential partnership of Swift Ripple, there is no formal integration between the two networks.
However, Swift actively goes to the blockchain interoperability with its next ISO 20022 upgrade in November 2025.
The Ripple Apex 2025 event has also unveiled important ecosystem upgrades. The team has announced a compatible sidechain and improved support for the Ethereum virtual machine (EVM) and improved care for active world tokenized like American treasury.
These developments highlight the growing ambitions of Ripple beyond cross-border payments.
Meanwhile, Ripple and the dry interrupted their calls for a 60 -day settlement window in April. A situation report is due to the American Court of Appeal by June 16, reporting whether a regulation reached the closure.
If the dry did not deposit by June 16, the call process will probably resume, potentially extending disputes in 2026.
Although Ripple has carried out several important developments in recent months, adjusting once and for all this trial once and for all would be their central priority in T2, 2025.
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