A fresh X post has revived claims about Ripple’s growing presence in global payments after crypto enthusiast Stellar Rippler linked the company’s expanding banking partnerships to CEO Brad Garlinghouse’s projection that Ripple could capture 14% of SWIFT’s liquidity.
The post also suggested that Ripple’s progress with financial institutions could allow it to reach that milestone sooner than the timeline Garlinghouse previously outlined.
Stellar Rippler Connects Ripple Partnerships to SWIFT
In the X post, Stellar Rippler claimed that Ripple is now “capturing SWIFT liquidity,” pointing to what the author described as increasing integration between the blockchain company and the traditional banking system.
According to the post, SWIFT expects 34 out of 50 banks involved in a payments initiative to be ready to go live by the end of June. The author further asserted that 32 of those 50 banks are also Ripple partners, suggesting that this overlap could strengthen Ripple’s position in international payments.
The post also stated that Ripple Treasury has connected to SWIFT’s network of more than 11,500 financial institutions as a certified partner. In addition, Stellar Rippler claimed that JPMorgan has connected the XRP Ledger to interbank settlement through Ripple, presenting this as another indication of the company’s expanding institutional reach.
While these claims were presented as evidence supporting Ripple’s future growth, they were not accompanied by any official documentation in the post.
Ripple Is Now Capturing SWIFT Liquidity
SWIFT says 34 out of 50 banks are ready to go live with SWIFT payments by the end of June.
Guess what, exactly 32 out of 50 these SWIFT banks are also partnered with Ripple. Ripple Treasury recently connected into SWIFT's 11,500 banking… pic.twitter.com/OMbkTAu35b
— Stellar Rippler🚀 (@Stellar_Rippler) June 26, 2026
Brad Garlinghouse’s 14% Liquidity Projection
To support the broader argument, Stellar Rippler included a video clip featuring Ripple CEO Brad Garlinghouse discussing the distinction between SWIFT’s messaging infrastructure and the liquidity that supports international payments.
Responding to a question about how much of SWIFT the XRP Ledger could eventually take, Garlinghouse said he focuses less on messaging and more on liquidity because, in his view, controlling liquidity is what ultimately benefits XRP.
He explained that banks own the liquidity moving through the financial system and concluded by estimating that Ripple could capture 14% of SWIFT’s liquidity within five years. The projection aligns with previous public remarks in which Garlinghouse suggested Ripple could secure a meaningful share of the cross-border payments market over time.
Building on those comments, Stellar Rippler stated that Ripple could reach that milestone sooner than the CEO’s original timeline, saying it could happen “way before 2030.”
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Differing Views of the Community Members
The post also drew responses from members of the crypto community, including William Mathias, who offered a more cautious perspective.
Mathias said the key distinction lies in Ripple’s messaging around its products, noting that the company frequently references both Ripple and RLUSD when discussing its payments strategy. He added that although XRP may sit at the center of Ripple’s operations, investors should not automatically expect that role to translate into significant price appreciation.
While some investors view Ripple’s expanding institutional relationships as evidence of increasing real-world adoption that could benefit XRP over the long term, others believe that greater utility alone does not guarantee a corresponding increase in the token’s market value.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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