Ripple CEO Brad Garlinghouse believes (CRYPTO: XRP) could take on a significant slice of the cross-border payments market, potentially facilitating 14% of the volume currently routed through SWIFT within the next five years.
Speaking at the XRP APEX 2025 event in Singapore, Garlinghouse emphasized XRP’s capacity to streamline global liquidity rather than just replace messaging infrastructure, Coindesk reported.
“SWIFT today is made up of two functions: messaging and liquidity,” Garlinghouse explained. “Liquidity is managed by banks. I’m less …