Jievani / Shutterstock.com Quick Read Ripple (XRP) CEO claims the XRP Ledger could handle 14% of SWIFT’s volume within five years, equating to roughly $21 trillion annually. Ripple’s On-Demand Liquidity service processed $1.3 trillion in Q2 2025 and cuts settlement times from days to seconds. SWIFT’s 11,000 institution network and XRP’s 94% drop in active addresses (105K→6K) create major adoption hurdles. If you’re thinking about retiring or know someone who is, there are three quick questions cau ...