Ripple CEO: XRP Ledger expected to account for 14% of SWIFT's global liquidity within five years According to Beincrypto, Ripple CEO Brad Garlinghouse predicted at the XRP Ledger Apex 2025 event held in Singapore that XRP Ledger (XRPL) is expected to account for 14% of SWIFT's global liquidity within five years. He emphasized that the role of XRP is to drive liquidity rather than replace SWIFT's communication layer. Ripple announced at the meeting the launch of a sidechain compatible with the Ethereum virtual machine and strengthened support for tokenized real assets.