Expert Is Certain Ripple (XRP) Will Replace SWIFT. Here’s Why

The prospect of a blockchain-based network displacing one of the world’s most established financial infrastructures is capturing significant attention across global ￰0￱ incumbent institutions are actively experimenting with distributed ledger technology, Ripple’s XRP-powered settlement system is already operating at ￰1￱ contrast has led some analysts to conclude that Ripple is positioned to become the next-generation backbone of international payments, potentially supplanting the Society for Worldwide Interbank Financial Telecommunication (SWIFT). SWIFT’s Linea Pilot: Modernizing Messaging Recent reports indicate that SWIFT is conducting a pilot program with ConsenSys’ Layer-2 network, ￰2￱ initiative explores whether SWIFT’s core service—secure and standardized financial messaging—can be enhanced through blockchain ￰3￱ decades, SWIFT has served as a trusted intermediary for transmitting payment instructions between financial institutions.

However, it has never provided actual fund transfers or settlement ￰4￱ messaging onto a blockchain could improve transparency and speed, but it does not by itself transform SWIFT into a real-time settlement ￰5￱ you are telling This $LINEA will be used by $SWIFT for what exactly????? Messaging!!!! what about settlement and ￰6￱ it is like upgrading IPHONE 8 with IPHONE 8 hehehehehehehehhe #Ripple Will be Replacing $Swift. ONLY FEW ￰7￱ — EGRAG CRYPTO (@egragcrypto) September 27, 2025 Messaging Is Not Settlement It is important to distinguish between messaging and settlement.

SWIFT’s role has traditionally been limited to delivering payment instructions; the actual movement of funds depends on separate clearing and settlement ￰8￱ with a blockchain-based upgrade, the fundamental challenge of achieving immediate liquidity and finality remains ￰9￱ is precisely the gap that Ripple’s technology is designed to address. Ripple’s On-Demand Liquidity Capabilities Ripple’s On-Demand Liquidity (ODL) platform uses XRP as a bridge asset to enable near-instant cross-border ￰10￱ leveraging the XRP Ledger, ODL allows financial institutions to execute transactions in seconds without pre-funded ￰11￱ approach eliminates the need for costly nostro-vostro arrangements and directly tackles both liquidity and settlement requirements.

Ripple’s system is not experimental; it is already in commercial use across multiple ￰12￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Barriers to Swift Replacement Despite Ripple’s technological advantages , an immediate displacement of SWIFT is ￰13￱ global banking ecosystem is deeply rooted in regulatory frameworks, legal standards for settlement finality, and conservative risk management ￰14￱ effects built over decades mean that many institutions will maintain hybrid operations in which legacy systems and blockchain-based solutions coexist for the foreseeable ￰15￱ CRYPTO’s Perspective Crypto market commentator EGRAG CRYPTO underscores the view that Ripple’s comprehensive settlement and liquidity model makes it a strong candidate to succeed ￰16￱ to this analysis, Ripple’s proven ability to facilitate rapid, low-cost cross-border transfers provides a competitive edge that experimental blockchain pilots have yet to ￰17￱ Ripple already delivers capabilities—real-time settlement and efficient liquidity management—that SWIFT is only beginning to test through pilot programs such as ￰18￱ full-scale replacement will require regulatory acceptance and broad industry coordination, the growing adoption of Ripple’s ODL underscores its potential to become a dominant force in global ￰19￱ observers like EGRAG CRYPTO, these factors collectively position Ripple not merely as a complement to SWIFT but as a credible successor when the financial sector moves decisively toward next-generation ￰20￱ : This content is meant to inform and should not be considered financial ￰21￱ views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s ￰22￱ are urged to do in-depth research before making any investment ￰23￱ action taken by the reader is strictly at their own ￰24￱ Tabloid is not responsible for any financial ￰25￱ us on Twitter , Facebook , Telegram , and Google News