🤔 Why Did SWIFT Choose $LINEA Over $XRP (Ripple)?
For years, Ripple pitched $XRP as the bridge asset to revolutionize cross-border payments, with Brad Garlinghouse even suggesting it could replace SWIFT. But the reality looks different:
🚫 SWIFT’s leadership rejected XRP — citing governance issues, regulatory uncertainty, and the need to rely on trusted institutions.
⚖️ The SEC lawsuit may be behind Ripple now, but it left lasting scars. Banks and regulators remain cautious.
📅 Ripple also lags on ISO 20022 compliance, the key messaging standard that global finance runs on.
Meanwhile, SWIFT hasn’t been idle. Instead of adopting XRP, it’s exploring blockchain rails like LINA— not to dismantle its own system, but to add speed, interoperability, and transparency while retaining the trust that banks demand.
The real story isn’t Ripple vs. SWIFT anymore — it’s who helps SWIFT evolve without shaking its throne.
