I Tested Garlinghouse’s Math - $11.90 XRP Baseline?

Could XRP really shoulder $58 billion a day and leave SWIFT in the dust? In today’s deep-dive we unpack Brad Garlinghouse’s Apex revelation that the XRP Ledger could siphon 14 % of SWIFT’s liquidity—about $21 trillion a year—by delivering instant settlement where legacy wires crawl. From plate-spinning metaphors to that $11.90 baseline ChatGPT wrestled from re-used tokens, the script traces how ODL corridors, four-second finality and a 1,500 TPS highway could turn a sloth-paced marathon into a money teleport. But big dreams meet real dragons: spaghetti-bowl compliance and regulators lurking. We follow the network-effect snowball from a Vietnam-to-Brazil coffee payment to a 2030 smartwatch salary ping, weighing board-level excitement over slashing nostro balances by 40 % against potential policy roadblocks. If liquidity locks, prices could lurch; if not, monitor closely. For the ongoing story—and humour—subscribe for more in-depth crypto breakdowns. #XRP #Ripple #CryptoNews 🔗 Free 𝗗𝗶𝘀𝗰𝗼𝗿𝗱 (Learn more about Crypto): 👉 https://discord.gg/cheekycrypto 🧠 This is a community for educational discussion only. 🚫 No financial advice is provided. 👨‍💼 Admins and moderators are not licensed financial professionals. 📚 Learn Trading & Crypto: 👉 https://cheekyschool.com/ Educational resource only – no guarantees of financial outcome. ----------------------------------------------------------------- 🎥 OUR YOUTUBE CHANNELS 🔹 Follow Cheeky Crypto 𝗼𝗻 YouTube: / @CheekyCrypto 🔹 Follow Cheeky Crypto Plus 𝗼𝗻 YouTube: / @CheekyCryptoPlus 🔹 Follow Cheeky Crypto Trading 𝗼𝗻 YouTube: / @CheekyCryptoTrading 🔹 Follow Cheeky Crypto Education 𝗼𝗻 YouTube: / @CheekyCryptoEducation 🔹 Follow Cheeky Crypto Unfiltered 𝗼𝗻 YouTube: / @Cheeky_Crypto_Unfiltered ----------------------------------------------------------------- 📱 FOLLOW US ON SOCIAL MEDIA 🐦 Follow us 𝗼𝗻 𝗫: / cheekycrypto 📘 Follow us 𝗼𝗻 𝐅𝐚𝐜𝐞𝐛𝐨𝐨𝐤: / cheekycrypto ----------------------------------------------------------------- Check out our Affiliate Offers: We may earn a commission if you sign up through the link below. 👉 https://portal.cheekycrypto.io/cheeky-crypto-affiliate-links/ ----------------------------------------------------------------- ⚠️ 𝗕𝗘𝗪𝗔𝗥𝗘 𝗢𝗙 𝗦𝗖𝗔𝗠𝗠𝗘𝗥𝗦 𝗜𝗡 𝗢𝗨𝗥 𝗖𝗢𝗠𝗠𝗘𝗡𝗧𝗦 𝗔𝗡𝗗 𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦 ⚠️ 🛑 DISCLAIMER: This is a channel for entertainment purposes only. All opinions expressed by the hosts and guests should not be construed as financial advice.The views of guests and hosts do not necessarily reflect those of the channel. We do not promote any get-rich-quick schemes, trading strategies that guarantee returns, or risky financial behavior. All trading decisions are your own responsibility. Viewers are strongly encouraged to do their own research. Trading cryptocurrencies carries a significant risk of loss, and no outcome is guaranteed. This Channel does not offer financial services or securities and does not guarantee any results. Affiliate offers are intended only for non-UK residents. This content complies with YouTube's Harmful and Dangerous Content policies and is intended for mature audiences interested in learning about blockchain technology. Some links are affiliate offers. We may earn a commission if you sign up through them, at no additional cost to you. These platforms are not recommendations and are shared for informational purposes only. Offers vary and may not be available in all regions. Please consult your local laws and financial advisor before participating. ----------------------------------------------------------------- Timestamps 00:00 Stunning 14 % XRP claim 00:45 How SWIFT moves $150 T a year 01:05 Policy disclaimer & reality check 01:46 Liquidity vs messaging explained 03:08 $21 T flow, $58 B daily math 04:06 ODL corridors & community faith 05:04 ChatGPT’s $11.90 base price logic 06:23 Vietnam-Brazil payment makeover 06:58 Regulation—the dragon in the room 07:48 4-second settlement & bank savings 11:26 Scaling to 1,500 TPS and beyond 12:38 2030 paycheck on XRPL vision