Why XRP Is Emerging as a SWIFT Alternative, According to New Research
The post Why XRP Is Emerging as a SWIFT Alternative, According to New Research appeared on BitcoinEthereumNews.com.
Ripple CEO Brad Garlinghouse has called SWIFT outdated, stating that XRP is better suited for today’s fast and low-cost cross-border payments. Since it launched back in 1973, SWIFT has been the go-to system for helping banks and financial institutions handle global transactions. Research analyst SMQKe recently broke it down on X, saying that the Society for Worldwide Interbank Financial Telecommunication (SWIFT) functions a lot like email. The messages go one way, and each transaction has to be manually checked and confirmed by the banks before the money actually settles. Ripple (XRP), on the other hand, takes a much more efficient route. At XRP APEX 2025 in Singapore, Ripple CEO Brad Garlinghouse delved into what he calls the battleground: “liquidity.” While SWIFT handles messaging and banks’ own liquidity, Garlinghouse believes true innovation comes from controlling liquidity. He told attendees that if XRP takes over the liquidity layer, that’s when it truly benefits XRP. He confidently projected: There are two parts to SWIFT today: messaging and liquidity. Liquidity is owned by the banks. … If you’re driving all the liquidity, it is good for XRP … so I’ll say five years, 14%. Messaging is foundational, but liquidity moves the money. Garlinghouse emphasized that gaining dominance in liquidity, where money is actually handled, will redefine global payments: “The future of global finance will be shaped by liquidity, not just messaging systems.” What This Means Practically The XRP Ledger (XRPL) brings real-world speed and efficiency to the table, capable of handling up to 1,500 transactions per second with confirmation times of just 3 to 5 seconds. Compare that to SWIFT’s 1–5 day settlement window, and the difference is massive. Even Bitcoin and Ethereum don’t come close to this. They are processing around 7 and 30 transactions per second, respectively. The XRP Ledger runs on…
