Ripple CEO Brad Garlinghouse has made new comments that reignited the debate over XRP’s role in reshaping global finance. In a recent Fox Business interview with Maria Bartiromo, Garlinghouse addressed Ripple’s intentions concerning the SWIFT network, stating that XRP is not just competing but is designed to replace it.
John Squire shared the clip on X, noting that these remarks represent a pivotal point for XRP, according to his analysis as a crypto commentator. Through these statements, the Ripple leader made it clear that Ripple is prepared to replace current cross-border systems by delivering fast and affordable solutions.
Garlinghouse emphasized that SWIFT, which has dominated global transactions for decades, still operates on technology that is over 50 years old. He pointed out that despite trillions of dollars moving across borders daily, many institutions remain locked into outdated infrastructure.
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As explained by Garlinghouse, Ripple’s vision involves building a more efficient cross-border payment network powered by blockchain. The company intends to present a complete alternative system to the SWIFT network and does not plan on cooperation as many had speculated.
The End of SWIFT?
Ripple CEO @bgarlinghouse says $XRP won’t just compete, it will bury the SWIFT system.
Faster, cheaper, and more reliable global payments are just around the corner.
Are we about to witness a financial revolution? pic.twitter.com/TqHR3ORCaS
— John Squire (@TheCryptoSquire) April 28, 2025
Regulatory Shift Under Trump Boosts Ripple’s Domestic Growth
Garlinghouse also shared insight into Ripple’s recent surge in domestic activity, linking it to a friendlier regulatory environment following Donald Trump’s return to the presidency. He revealed that within six weeks of the Trump administration’s win, Ripple signed more U.S.-based deals than in the six months prior.
Ripple received crucial momentum when the SEC withdrew its lawsuit against the company. Garlinghouse credited this shift in legal pressure for allowing Ripple to refocus and accelerate its expansion within the United States.
Although Ripple is gaining momentum, Garlinghouse was clear that full adoption of blockchain-based systems will take time. He predicted that the migration toward new banking standards from SWIFT would continue for two decades.
Garlinghouse’s remarks have attracted increased attention from XRP enthusiasts as they suggest that Ripple plans to confront traditional financial systems in the coming months.
Conclusion
Garlinghouse’s interview reaffirms Ripple’s commitment to building a modern alternative to SWIFT. With regulatory conditions improving and technological adoption increasing, XRP appears positioned to play a central role in the future of international payments.
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