- Ripple CEO Brad Garlinghouse says Ripple is targeting liquidity, not just messaging, in the global financial system.
- Ripple aims to capture 14% of SWIFT’s market share in cross-border payments within five years.
- XRP’s On-Demand Liquidity platform is already operational in multiple payment corridors worldwide.
- The shift toward liquidity-first solutions could dramatically increase XRP adoption in institutional finance.
Ripple CEO Targets Liquidity, Not Messaging, in Battle With SWIFT
In a recent interview shared by FinanceBro (@FinanceBroYT) on X, Ripple CEO Brad Garlinghouse laid out Ripple’s ambitious roadmap to reshape global financial infrastructure. Speaking at the APEX 2025 Event, Garlinghouse emphasized that Ripple is not merely competing with SWIFT’s messaging services but targeting the very heart of financial transactions—liquidity.
Garlinghouse explained that SWIFT’s legacy system is built on two pillars: messaging and liquidity. While competitors have mostly focused on the messaging component and ISO 20022 compatibility, Ripple is charting a different course. “Liquidity is owned by the banks,” Garlinghouse noted, underscoring Ripple’s aim to streamline the actual flow of funds, not just the communication around them.
Also Read: XRP Price Prediction July 2025: Can Ripple’s Resurgence Break the $5 Barrier?
Liquidity Over Messaging: Ripple’s Real Advantage
Ripple’s approach centers on its XRP-powered On-Demand Liquidity (ODL) platform, which already enables fast, cross-border transfers without requiring pre-funded accounts. This allows financial institutions to deploy their capital more efficiently, bypassing the costly and slow correspondent banking system.
As more banks and financial service providers migrate to blockchain-based rails, Ripple’s liquidity-first solution positions XRP as the core asset facilitating international payments.
Aiming for 14% of SWIFT’s Volume
At the APEX 2025 Event, Garlinghouse projected that Ripple could capture 14% of SWIFT’s market volume within the next five years. This bold target reflects Ripple’s growing confidence as it continues to expand partnerships and pursue key banking licenses worldwide.
Unlike other players focusing solely on messaging interoperability, Ripple’s strategy acknowledges the pain points in legacy banking and aims to provide real-world liquidity solutions where SWIFT struggles with cost and efficiency.
Ripple Role in the Future of Finance
If Ripple succeeds in controlling a significant portion of the liquidity layer in global payments, demand for XRP as a bridge asset could surge. Garlinghouse’s liquidity-first vision suggests XRP isn’t just a digital asset—it’s the fuel powering the next generation of financial infrastructure.
Ripple’s strategy clearly demonstrates where global finance is heading—and positions XRP to play a leading role in that future, even as the 14% market share remains an aspirational goal.
