Ripple's acquisition ambitions: How infrastructure challenges SWIFT's monopoly

HashBard · 2026-01-22T18:00:12+00:00

Ripple, through a series of acquisitions, is transforming XRP from a settlement token into a major competitor in banking services. The CEO stated plans to capture 14% of the SWIFT cross-border transaction market within five years, drawing attention from the traditional financial sector.

HashBard

2026-01-22 18:00:12

Abstract generation in progress

【Crypto World】Ripple’s recent series of major moves are changing the positioning of XRP. From being a simple settlement token, it is gradually evolving into a strong contender for market share in banking services.

Just look at these acquisitions to understand. In April 2025, they took over the main broker-dealer Hidden Road (now called Ripple Prime); in October of the same year, they spent $1 billion to acquire the asset management platform GTreasury; in August, they spent another $200 million to acquire the stablecoin payment company Rail. Each move points to a deep layout in financial infrastructure.

Ripple CEO Brad Garlinghouse was more straightforward—aiming to capture 14% of SWIFT’s cross-border transaction market share within five years. This is no small goal. Asset management, custody, international remittances… traditional banks earn trillions annually in these areas, and Ripple is now nibbling at this cake. As the infrastructure becomes more complete, the threat becomes more real. How traditional financial giants view this matter, they really need to pay attention.

XRP-1.68%

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FOMOmonster

· 1h ago

Damn, this target is a bit outrageous... Achieving 14% market share in five years? The old guys at SWIFT must be freaking out.

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RooftopVIP

· 7h ago

Wow, Ripple is really trying to cut SWIFT's legs directly, taking 14% in five years... They have some serious guts.

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GateUser-bd883c58

· 7h ago

SWIFT is about to be challenged this time. Ripple has directly laid out its stance, aiming for a 14% target—quite bold, huh?

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ProofOfNothing

· 7h ago

SWIFT's days are indeed going to be tough, but Ripple's 14% target sounds a bit optimistic... Speaking of which, if it really crashes, traditional banks will have a hard time.

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failed_dev_successful_ape

· 7h ago

Goodbye SWIFT? I don't believe it, but Ripple's combination punch is indeed fierce. The 14% market share is spoken about quite casually, and the banking bigwigs must be losing sleep.

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MetadataExplorer

· 7h ago

Taking 14% of the SWIFT market share in five years? This guy really has guts, but to be honest, infrastructure is the real key.

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token_therapist

· 7h ago

Bro, you really dare to say 14%. The old-timers at SWIFT would be thrilled to death.

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ChainBrain

· 8h ago

Bro, your ambition is a bit fierce. SWIFT, this old dinosaur, should be worried. But to be honest, it still depends on whether Ripple can really be implemented.

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