Ripple’s ambitious Vision: $21 Trillion Transactions and the Rise of a New Crypto Spendable Asset

Ripple is making waves in the financial world with audacious plans for the future of global finance. CEO Brad Garlinghouse at the 2025 XRPL Apex Conference predicted that the XRP Ledger could eventually process 14% of SWIFT’s transaction volume, a projection that equates to a staggering $21 trillion annually flowing through the ledger. This prediction comes alongside other notable milestones for XRP, including the launch of multiple spot XRP ETFs in the United States. However, despite these institutional advancements, the cryptocurrency market still faces a disconnect between high finance and everyday spending.