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Ripple CEO Says the Takeover of SWIFT’s Customers Loud and Clear
In a recent video posted by FinanceBro (@FinanceBroYT) on YouTube, Ripple CEO Brad Garlinghouse shared his vision for the future of global financial infrastructure. During the APEX 2025 Event, Garlinghouse highlighted that Ripple is no longer just targeting traditional cross-border messaging systems. Instead, the company is focused on capturing liquidity, which he believes is the core of financial value movement.
Garlinghouse explained that SWIFT’s system has two essential components: “There’s messaging, and there’s liquidity. Liquidity is owned by the banks.” He further emphasized that Ripple’s long-term objective is not just to offer an alternative communication network for financial institutions but rather to power the actual flow of money across borders.
In a bold statement, Garlinghouse made it clear that #XRP will steal SWIFT’s customers, implying a takeover of sorts. While this may seem like a dramatic claim, his words carry significant weight given Ripple’s recent progress and strategic partnerships with major financial institutions.
Ripple is already making significant strides by providing liquidity through its XRP-powered On-Demand Liquidity (ODL) platform. This allows financial institutions to send money without the need for pre-funded accounts. As more institutions adopt blockchain-based payment rails, Ripple’s value proposition becomes increasingly appealing.
Garlinghouse predicts that Ripple will capture 14% of SWIFT’s current volume within five years. While this prediction may seem ambitious, it highlights the company’s growing confidence in institutional adoption of XRP for cross-border settlement. The CEO emphasized Ripple’s commitment to expanding partnerships and pursuing banking licenses in key jurisdictions, which appears to be part of a broader strategic framework.
Importantly, Garlinghouse’s comments do not simply reflect technical potential but also speak to Ripple’s understanding of legacy banking systems and their inherent limitations. By focusing on liquidity rather than competing directly with SWIFT’s messaging infrastructure, Ripple may be positioning itself to serve use cases where SWIFT remains inefficient or cost-prohibitive, potentially replacing the legacy system in the long term.
Ultimately, Garlinghouse’s words should not be taken lightly as they shed light on Ripple’s strategic plan.
Source: timestabloid.com
