SWIFT processes ~$5T in daily transactions, but it mainly sends payment messages, not actual value.
Settlement can take days, with capital locked in the system.
What $XRP changes:
• Fiat → $XRP → fiat in seconds
• Reduced need for pre-funded accounts
• More efficient cross-border settlement
Proof point:
Banking pilots (including in Japan) have shown significant cost reductions and faster settlement times.
Key shift:
Ripple is moving toward integration with existing systems, not direct competition lowering barriers to institutional adoption.
Implication:
Even a small share of global payment flow transitioning to faster rails could represent substantial volume potential.
XRP
1.4258
+0.94%