- With consistently operated introduction of XRP, 14 percent of international payments could handle in five years.
- The Blockchain approach From Ripple eliminated delays and is much cheaper than the old systems.
Recently, CB inights published a report in which Ripple and the XRP cryptocurrency are counted among the leading companies in the discussion about the modernization of the financial sector. While the ancient system SWIFT only forwards disposable payment instructions, Ripple offers a settlement in real time, which is supported by blockchain technology.
The system enables the exchange of messages in both directions and establishes a direct connection to the main books in order to be able to handle transactions faster and more transparently.
Cryptoanalyst smqke emphasized these differences and pointed out that the processing of ripple, when sending news and execution at the same time, is much more progressive than the fragmented process of Swift. Such a configuration offers what experts call “atomic processing”, an activity in which transactions take place at the same time and are recorded, which avoids delays and lines.
“SWIFT messages are one-way, much like emails, which means that transactions can’t be settled until each party has screened the transaction. By integrating directly with a bank’s existing databases and ledgers, Ripple provides banks with a faster, two-way communication protocol… https://t.co/TVjZYKMnxI pic.twitter.com/z13Ld3soip
– smqke (@smqkedqg) June 16, 2025
Over 300 financial institutions in more than 40 countries have already registered to test or use the blockchain-supported tools from Ripple, which confirms the growing interest in the solutions.
XRP wants 14% of the Swift market share
Brad GarlinghouseCEO von Ripple, gab Recently on the XRP APEX 2025 knownthat XRP could process 14% of all international payments in five years that are currently still running via Swift.
He made this forecast due to changing industry trends in which institutions are looking for new payment corridors that are able to offer liquidity efficiency, real -time access for information and lower fees.
The cryptocurrency XRP could capture around 14% of the cross-border payment volume currently handled by SWIFT within five years. This confident prediction was made by @Ripple CEO @bgarlinghouse at an event in Singapore last week. ‘There are two parts to SWIFT today: messaging…
— Payment Infrastructure News (@payment_infrast) June 16, 2025
While Swift primarily processes transactions by sending news, Ripple’s network also facilitates communication and liquidity compensation. XRP is an inter-asset bridge that facilitates the immediate billing between currencies and abolishes the pre-financing of accounts in other countries.
Shopify has introduced StableCoin payments to simplify international trade. Uber’s CEO explained that the company is considering the use of stable coins in order to reduce the costs for the international salary statement. These steps reflect a general industry trend towards blockchain-controlled systems that will be able to exceed outdated financial infrastructures.
Ripples infrastructure meets the requirements of the digital economy
An area that should be taken into account when introducing blockchain is the cost efficiency. According to the CB Insights report, global financial institutions can reduce costs for international transactions with systems such as that of Ripple by 33 %. This leads to cost savings in the areas of foreign exchange, liquidity and operation.
Companies like Uber and Shopify have already started to venture into blockchain in global transactions because they want to lower the fees and accelerate the shipping.
Such steps mark an increasingly common change in institutional perception. Instead of content with archaic information systems, the companies are now striving for solutions in terms of speed, clarity and financial control.
However, Ripple’s system offers an alternative that meets the requirements of a digitally oriented economy. With its growing customer base and its institutional interest, XRP gradually fills a niche that previously seemed to be reserved for Swift.
DID YOU KNOW THAT SWIFT REPLACED TELEX IN 1977?
TELEX: 1930-1977 (47 YEARS)
SWIFT: 1977-2024 (47 YEARS)NOW IT‘S TIME FOR SWIFT TO BE REPLACED BY #XRP pic.twitter.com/8JNPjRcJP2
— RipplePumpkin (@RipplePumpkin) June 9, 2025
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