At the 2025 XRPL Apex Conference, Ripple CEO predicts XRP Ledger could handle 14% of SWIFT’s volume, equating to $21 trillion annually. Ripple’s On-Demand Liquidity processed $1.3 trillion in Q2 2025, slashing settlement times. SWIFT’s 11,000 institution network and XRP’s drop in active addresses pose hurdles to adoption.

SWIFT processes $5 trillion daily, totaling $150 trillion yearly. The network faces inefficiencies, high costs, and is a target for sanctions. Fintechs and blockchain companies see opportunities with cross-border spending rising to $320 trillion by 2032. SWIFT is exploring faster payment schemes and blockchain integrations.

Ripple’s ODL service eliminates pre-funding, settling transactions in seconds with minimal fees. Garlinghouse believes XRP could achieve 14% of SWIFT’s volume, translating to $700 billion daily or $175 trillion annually. Ripple partners like SBI Remit and Santander reduce fees and settlement times using XRP. Regulatory clarity has improved, with XRP reclassified as a commodity in the U.S.

Capturing 14% of SWIFT’s volume by 2030 is ambitious due to SWIFT’s network size and neutrality. XRPL faces challenges with user activity decline and competition from other blockchain networks. If successful, XRP’s price could soar. Ripple argues that as more volume flows through XRPL, XRP’s price will rise due to fees and locked liquidity.

Many Americans can retire earlier than expected by answering three questions that challenge traditional retirement planning. The difference between accumulation and distribution is causing a rethink in retirement strategies. After answering the questions, many find they can retire earlier than anticipated.

Read more at Yahoo Finance: XRP Could Capture 14% of SWIFT’s $150 Trillion by 2030