Ripple CEO Brad Garlinghouse recently spoke with Maria Bartiromo on Fox Business, where he made bold claims about XRP ($2.02)’s role in global finance. According to Garlinghouse, Ripple doesn’t aim to cooperate with SWIFT—it plans to replace it entirely. His comments reignited discussions about XRP’s future and its potential to disrupt traditional banking.

XRP Positioned as SWIFT Alternative

Crypto commentator John Squire shared the interview clip on X, calling it a turning point for XRP. Garlinghouse emphasized that SWIFT’s outdated technology, over 50 years old, still controls global cross-border transactions. He argued that trillions of dollars move daily through an inefficient system, leaving financial institutions stuck with legacy infrastructure.

Garlinghouse made it clear that Ripple is developing a complete alternative to SWIFT. Instead of upgrading old systems, Ripple uses blockchain to offer faster and cheaper transactions. The company wants to modernize cross-border payments, and it believes XRP can lead the shift.

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The Ripple CEO also discussed recent U.S. expansion. He linked this growth to a more favorable regulatory climate following Donald Trump’s return to office. Within six weeks of Trump’s win, Ripple closed more domestic deals than it had in the previous six months. Garlinghouse credited this shift to a clearer legal landscape.

SEC Lawsuit Withdrawal Boosted Ripple

Ripple gained momentum after the SEC dropped its lawsuit against the company. Garlinghouse said this legal victory allowed Ripple to refocus and speed up its operations in the U.S. As a result, Ripple is expanding its reach with new partnerships and products.

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Despite Ripple’s progress, Garlinghouse acknowledged that full industry adoption won’t happen overnight. He estimated that the shift from SWIFT to blockchain-based systems could take up to 20 years. Still, he remains confident in Ripple’s long-term vision.

Garlinghouse’s statements confirm that Ripple plans to challenge traditional finance. As regulations ease and blockchain gains traction, XRP stands ready to shape the future of cross-border payments.

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