Ripple CEO Brad Garlinghouse Says XRP Beats SWIFT on Transaction Risk

What happened

Ripple CEO Brad Garlinghouse said XRP settles transactions almost instantly, giving institutions only brief exposure to price volatility, which he claims makes XRP less risky than traditional SWIFT payments that can take days to settle.

Confirmed

Global impact / market context

If institutions view XRP as a lower‑risk alternative to SWIFT, they may be more willing to use it for cross‑border payments, potentially increasing demand for the token and supporting broader crypto‑based settlement solutions.

Analyst inference

The claim pits XRP against the long‑standing SWIFT network, highlighting a shift toward faster, blockchain‑based payment rails that could reshape how banks handle international transfers.

Analyst inference

What to watch

1. Adoption by banks or payment providers of XRP for settlement, which would signal institutional confidence in the token’s risk profile. Analyst inference
2. Regulatory responses to using crypto assets like XRP for cross‑border payments, as rules could either enable or restrict broader usage. Analyst inference
3. Comparative performance data on transaction speed and volatility exposure between XRP and SWIFT, which could validate or challenge the risk‑reduction claim. Analyst inference

Affected assets

• XRP — XRP

Evidence

• coinpaper.com