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Ripple’s $30 Trillion Gamble: XRP Targeting 20% of SWIFT’s $150T Volume by 2025?

  • Writer: Mathew Jacob
    Mathew Jacob
  • 3m
  • 3 min read
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Ripple is making headlines once again — and this time, it’s with a bold, potentially world-changing ambition: to capture 20% of SWIFT’s $150 trillion annual cross-border transaction volume by 2025. That would represent a staggering $30 trillion routed through RippleNet, with XRP serving as the core liquidity bridge.

This isn't just wishful thinking. Ripple is building a strong foundation of global partners, use cases, and technological infrastructure. Their aggressive push to replace the traditional banking systems like SWIFT with a faster and cheaper alternative is gaining momentum every year.

 

SWIFT vs Ripple: The Battle for Global Settlements

SWIFT has long been the backbone of international transactions, handling around $150 trillion annually across 200+ countries. But SWIFT is slow, costly, and lacks real-time capabilities.

Ripple’s technology—particularly On-Demand Liquidity (ODL) powered by XRP—offers a compelling alternative: instant settlements, lower fees, and no need for pre-funded accounts. In short, it solves problems SWIFT hasn’t addressed for decades.

Ripple’s $30 trillion gamble is grounded in replacing these outdated systems with a faster, smarter solution.

 

RealFI & the XRP Ledger: Expanding Beyond Payments

One of the strongest validations of the XRP Ledger’s utility came on June 7, 2025, when RealFI successfully launched the REAL token on the XRPL.


RealFI’s goal? Nothing less than the tokenization of the $654.39 trillion global real estate market. Built on the high-speed, low-cost XRP Ledger, the REAL token is designed to bring efficiency, transparency, and accessibility to real estate transactions across the globe.

  • REAL token supply is capped at 100,000,000, offering a finite and universal digital currency for real estate.

  • From rent payments to full property purchases, REAL enables seamless real-world integration of real estate into the digital economy.

This powerful use case reinforces the XRP Ledger’s potential to support trillions in real-world asset tokenization—a key part of Ripple’s long-term strategy and another revenue stream for XRP liquidity and utility.

 

Why 20% by 2025 May Be Realistic

Ripple’s target to manage $30 trillion annually through its network may seem bold, but several factors support this ambition:

  • 300+ Financial Partners: Including big names like Santander, SBI Holdings, Tranglo, and Bank of America.

  • Legal Clarity: With recent legal victories against the SEC, Ripple is now better positioned to expand in major global markets.

  • Exploding ODL Volumes: Ripple's On-Demand Liquidity has seen 9x year-over-year growth as of 2024.

  • Tokenization Wave: Projects like RealFI prove that XRPL is capable of handling real-world utility far beyond traditional finance.

 

What This Means for XRP Holders

If Ripple succeeds in onboarding $30 trillion in annual transactions:

  • XRP Demand Surges: More institutions and platforms using XRP means higher sustained liquidity demand.

  • Price Potential Grows: As XRP utility increases and supply remains limited, price momentum could follow.

  • Broader Ecosystem Adoption: With platforms like RealFI building entire industries on XRPL, more tokenized economies will emerge.

 

Time is Ticking

With the 2025 target fast approaching, Ripple’s runway is short—but their strategy is accelerating. By combining powerful fintech partners with transformative use cases like RealFI’s real estate tokenization, Ripple’s gamble may not just pay off—it could redefine how the world moves money and value.

 

Final Thoughts

Ripple’s $30 trillion ambition is bold but no longer feels impossible. With growing XRP Ledger adoption, real-world tokenization via projects like RealFI, and the collapse of outdated banking infrastructure, Ripple is now in position to take a leading role in global finance.


 
 
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