Ripple CEO Predicts XRPL’s Potential to Handle $21 Trillion in Transactions Per Year

Ripple CEO Brad Garlinghouse has sparked renewed discussion about the XRP Ledger (XRPL) and its potential role in global payments. During a recent event, he predicted that within five years, the XRPL could process as much as 14% of SWIFT’s annual transaction volume, currently estimated at $150 trillion. Garlinghouse argues this is due to the inherent challenges of liquidity, not messaging, hindering cross-border payments, and highlighting how blockchain platforms like XRPL offer improved solutions with their native liquidity and real-time settlement capabilities.