It’s one of the most talked about cryptocurrencies in 2025. Ripple’s XRP keeps making headlines as each week new stories appear highlighting the bullish sentiment around the leading cryptocurrency. However, with so much online commentary, we wanted to check if there was a 2030 roadmap for XRP.
Many commentators of XRP can be found on the X platform. Just this week users like @Xfinancebull and @XRP_Expertx published what is being described as “XRP 2030: Ripple’s Masterplan for Global Liquidity and Central Bank Partnerships.”
One of the reasons that the story has been highlighted online is because of what Ripple CEO Brad Garlinghouse said a few weeks ago. He spoke to crypto enthusiasts at APEX 2025, which is the largest annual summit for the XRPL community. XRPL is the decentralized public blockchain name of the XRP Ledger.
“XRP could capture 14 percent of SWIFT volume in 5 years,” Brad was quoted as saying by one X user at APEX 2025.
Can XRP Take 14 Percent of SWIFTs Volume by 2030?
In crypto there is often a lot of ‘hype’. Some of this from online users, sometimes from founders and CEOs. But Brad isn’t like other CEOs. He has a Harvard MBA. And he still has a tattoo of XRP on his arm which he wears prominently.
It’s not a recent tattoo. The date of its addition to his arm is July 13, 2023. That’s the day that a court ruled that Ripple selling XRP tokens to institutional investors violated securities laws. Brad was a fervent believer in XRP all along, even with the various challenges the company has had to face.
Today his enthusiasm is even more tangible. Albeit the value of the XRP token may not yet reflect this. We investigated the claims in the ‘XRP 2030’ posts that are being posted on X.
CBDC Integration at Scale
XRP has been exploring a CBDC solution since 2021. In 2023 Ripple announced the launch of the Ripple CBDC Platform, a solution for central banks, governments and financial institutions to issue their central bank digital currency. Hong Kong and Montenegro were two of the countries that explored this use case at the time.
Liquidity Hubs for Central Banks and Mega Corporations
Another project that was released by Ripple in 2023 was the Ripple Liquidity Hub. The Hub was created in response to the gap and inefficiencies associated with bridging the world of crypto and fiat currencies. At its core, it allows for seamless bridging between traditional fiat and crypto assets.
Interoperability with TradFi Giants like SWIFT and Visa
Ripple’s adherence to ISO 20022 (international standard for structured payment data) is representative of its commitment to global interoperability and its ability to bridge the gap between traditional finance and crypto. Ripple Payments also meets ISO 27001 (international standard to manage information security), and SOC 2 Type II (ensures compliance with data security standards).
What Else Should You Know?
In addition, there is also now an XRP ETF called XXRP that has been available since April this year. Smart Contracts have been added to XRP through RippleX. The only thing that is needed to take XRP mainstream, potentially, is a best in-class digital identity network for KYC/AML compliance.
Considering Brad’s approach it looks like there well may be a roadmap for 2030. The only other question that remains, is how much the value of XRP can go.
Modest estimates suggest that $3 is achievable soon. More bullish sentiment has arisen after Standard Chartered’s recent strategic investment into XRP. Geoff Kendrick, Global Head of Digital Assets Research at Standard Chartered recently predicted how XRP would overtake Ethereum by 2028. This means that XRP could hit $5.70 by 2028.
Crypto enthusiasts should take note. It’s rare to see bank employees being so bullish on crypto outside of bitcoin. Perhaps there might be some truth in the prediction…
Author: Andy Samu
The editorial team at #DisruptionBanking has taken all precautions to ensure that no persons or organizations have been adversely affected or offered any sort of financial advice in this article. This article is most definitely not financial advice.
#XRP #Ripple #Crypto #Price #CBDC #XRPL
See Also:
How XRP Became a Leading Cryptocurrency | Disruption Banking
First XRP ETF Outperforms Crypto Market (XXRP) | Disruption Banking
3 Responses
My wife and I have been bullish on XRP before this much hype and utility and adoption primarily because the Simpson predicted XRP reaching $500 in the near future. Check the Simpsons’ prediction out. They’re almost always spot on. Besides that, I personally admire Brad’s dogged belief in XRP. He puts his money where his mouth at.
If the prediction of XRP overtaking Ethereum by 2028..the maths tells me XRP value is somehow lagging at $5.70.
It’s what people are saying. It’s highly unlikely, but Ethereum is not as visible as XRP recently, who knows how the future might unfold though.