Ripple’s Potential Approach
According to Cryptoinsightuk, one possibility is that SWIFT had recognized the need for a distributed ledger technology to enhance its system. He speculated that Ripple and SWIFT may have previously engaged in discussions and that Ripple could have declined any form of partnership or acquisition.
If this scenario were accurate, Ripple’s decision might reflect a deliberate strategy to remain independent and directly compete with SWIFT. Meanwhile, SWIFT’s latest deal could be an attempt to soften the blow when XRP enters the market.
He also argued that the SEC lawsuit against Ripple could have reinforced that approach. Rather than seek integration with legacy networks, Ripple may have positioned itself to stand as a challenger. This path would align with Garlinghouse’s stated goal of securing a significant share of global payment flows.
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Outlook for Ripple and XRP
The analyst also commented on the shifting perception of SWIFT. He observed that Russia is unlikely to ever return to the system, even if relations with the U.S. improved. From his perspective, this refusal highlights how geopolitical disputes have reduced confidence in SWIFT’s neutrality. Other nations, he said, are closely monitoring these dynamics.
China’s Cross-Border Interbank Payment System exists as an alternative, but as Cryptoinsightuk pointed out, it lacks the global liquidity to operate as a truly dominant network.
This environment creates a gap that Ripple could fill by providing settlement services through XRP across corridors where trust in SWIFT has eroded. In doing so, XRP could establish itself as a neutral bridge asset, gradually building liquidity and extending its global role.
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