Ripple is intensifying its ambitions by targeting liquidity, not just the SWIFT messaging system, which may change global financial infrastructure.
Ripple’s New Strategic Approach
Ripple CEO Brad Garlinghouse announced the company's new goals, which include replacing liquidity, not just the SWIFT messaging system. At the APEX 2025 event, Garlinghouse emphasized that Ripple's vision is a significant transformation of financial infrastructure using XRP as the core asset for global liquidity.
On-Demand Liquidity Platform
Ripple’s On-Demand Liquidity (ODL) platform is already deployed in multiple global payment corridors, enabling instant cross-border transactions. This solution eliminates the need for pre-funded accounts, reducing capital requirements for financial institutions and facilitating faster transactions.
Ripple’s SWIFT Market Ambitions
Garlinghouse stated that Ripple aims to capture 14% of SWIFT's total transaction volume within five years. These projections indicate the company's confidence in institutional adoption of XRP and reflect Ripple's understanding of banking inefficiencies and the demand for transparent and cost-effective payments.
If Ripple succeeds in embedding itself into the liquidity layer of the global financial system, it would significantly increase the demand for XRP. In a world where speed and transparency are increasingly critical, Ripple and XRP may not just participate in the future of finance—they could define it.
