<ul data-eligibleForWebStory="true">Ripple CEO predicts XRPL could control 14% of SWIFT's global liquidity in five years.XRP payment volume increases by 1,300% as institutions seek faster cross-border solutions.Brad Garlinghouse emphasized XRPL's advantage in settling transactions in seconds compared to SWIFT's 1-5 days.Ripple aims to change how value moves across borders, competing directly with SWIFT.David Schwartz highlights the need for transparency in financial systems and the importance of auditing financial movements.Community optimism grows amid reports of increased payment volume on XRPL.Ripple has not partnered with SWIFT, but the possibility of XRP gaining market share remains strong due to dissatisfaction with high SWIFT fees.Ripple positions XRPL as a faster and cost-effective alternative to SWIFT to attract more users.Ripple launches a grant program for early-stage Web3 startups in Japan tied to the XRP Ledger.