- Ripple’s CEO envisions that the XRP Ledger could handle 14% of SWIFT capital flows.
- XRP Ledger network activity has seen a decline of over 90% in 2025.
Ripple [XRP] is aiming to revolutionize cross-border payments by providing a more affordable and faster alternative to SWIFT, the conventional global financial messaging system.
The company’s goal is to control almost a quarter of SWIFT’s liquidity flows by the year 2030. During the XRP APEX 2025 event in Singapore, Ripple CEO Brad Garlinghouse stated,
“There are two aspects to SWIFT today: messaging and liquidity. Liquidity is controlled by the banks. I focus more on liquidity than messaging. If we can dominate the liquidity, it will benefit XRP… so in five years, I envision 14%.”
Currently, SWIFT reportedly handles $1.25 quadrillion annually. To achieve a 14% target, this would equate to approximately $175 trillion in yearly volume for the XRP Ledger.
XRP Ledger dynamics
The company has secured significant partnerships and acquisitions from Ondo [ONDO] to Hidden Road as part of its broader objectives.
In the realm of traditional banks, Ripple has collaborated with Japan’s SBI Holdings, Banco Santander, and Standard Chartered, among others.
However, the activity on the XRP Ledger network has decreased by 94% in 2025, dropping from 105K active users in December to 6K by June.
Source: The Block
Despite the sluggish growth on the network, the native token of XRP has witnessed increased interest from large investors in June.
Whale transactions over $1M surged in June (indicated in red) according to Santiment, coinciding with the token’s rise from $2.0 to $2.35.
Source: Santiment
During the same period, market participants displayed optimism about the asset’s potential, as indicated by the positive surge in Weighted Sentiment.
However, XRP may retrace towards $2.0 before potentially rebounding. The 7-day liquidation map reveals significant liquidity zones between $2.2 and $2.0, which could serve as key areas in case of a rally driven by liquidity-hunting.
On the upside, liquidity zones are situated between $2.3-$2.4, with minimal concentration beyond $2.4. A retracement towards lower liquidity levels could occur before targeting the higher liquidity zone in the short term.
Source: CoinGlass
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