XRP Ledger’s vision – Can it handle 14% of SWIFT payments by 2030? 

• Ripple’s CEO believes XRP Ledger could handle 14% of SWIFT capital flows. 
• XRP Ledger network activity has dropped over 90% in 2025. 

Ripple [XRP] aims to disrupt cross-border payments through a cheap and faster alternative to SWIFT, the slow and costly global financial messaging system. 

Now the firm wants to control nearly a quarter of SWIFT’s liquidity flows by 2030. During the XRP APEX 2025 in Singapore, Ripple CEO Brad Garlinghouse said, 

“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%.”

Currently, SWIFT reportedly handles $1.25 quadrillion annually. For a 14% target, that would translate to about $175 trillion yearly volume for XRP Ledger.  

XRP Ledger dynamics

The firm has scored high-profile partnerships and acquisitions from Ondo [ONDO] to Hidden Road as part of its broader goals. 

On traditional banks, it has collaborated with Japan’s SBI Holdings, Banco Santander, and Standard Chartered, among others.

However, the XRP Ledger network activity has dropped 94% in 2025, from 105K active users last December to 6K as of June. 

Source: The Block

Despite the slow traction on the network, its native token, XRP, has seen renewed whale interest in June. 

According to Santiment, whale transactions over $1M spiked in June (red). This coincided with the token’s jump from $2.0 to $2.35. 

Source: Santiment

Over the same period, market participants were bullish on the asset’s prospects, as shown by the positive spike in Weighted Sentiment. 

That said, XRP may retrace towards $2.0 for a likely springboard. According to the 7-day liquidation map, there were increasingly high liquidity pockets between $2.2 and $2.0.

This could act as price magnetic zones in case of a liquidity-hunt driven rally. 

On the upside, liquidity zones were located between $2.3-$2.4, and negligible concentration beyond $2.4. A sweep for the lower liquidity could be likely before targeting the upside price magnetic zone in the short term. 

Source: CoinGlass