- •Remi argues SWIFT’s future setup separates messaging (Chainlink, Linea) from liquidity (XRP, XDC), with Hedera (HBAR) for security.
- •He highlights that banks already partnered with Ripple will drive adoption, while firms like BlackRock and Vanguard allegedly hold XRP treasuries.
- •Remi suggests Ripple could eventually bypass SWIFT and evolve into a new global monetary infrastructure.
Crypto pundit The Real Remi Relief has weighed in on the ongoing debate surrounding SWIFT’s blockchain adoption, issuing a detailed breakdown of how different digital assets will factor into the global payments network.
According to Remi, the picture is becoming clearer, and XRP remains central to the liquidity equation.
Messaging vs. Liquidity: Different Roles for Different Tokens
Remi explained that SWIFT’s future ecosystem involves two primary functions: messaging and liquidity, with security as an additional layer.
- •Messaging: Carried out by Linea and Chainlink (LINK), enabling cross-chain instructions and oracle connectivity.
- •Liquidity: Powered by XRP and XDC, handling the actual movement of value across borders.
- •Security: Provided by Hedera Hashgraph (HBAR) to safeguard transactions.
“Nobody can do what XRP can do,” Remi emphasized, pointing specifically to Ripple’s On-Demand Liquidity (ODL) product, which eliminates the need for traditional nostro-vostro accounts and frees up trapped capital.
Update: Clearing Up SWIFT For Those Who Are Confused
Before any of this “new” info came out this week…I told you what cryptos will be used by SWIFT. Trust in Remi and chill out.
SWIFT = XRP XDC HBAR LINK are the ones I told you about a year ago. Now we see LINEA has been…
— The Real Remi Relief
(September 30, 2025)
A central point of Remi’s argument is that SWIFT is only a messaging system, not a liquidity provider. He stressed that the real power lies with banks, many of which are already partnered with Ripple.
“SWIFT doesn’t have the money. The banks have the money, and the banks are all partnered up with Ripple,” he said, underscoring why XRP is critical to the new financial architecture.
BlackRock, Vanguard, and XRP Treasuries
Remi also pointed to the role of major institutional players like BlackRock and Vanguard, which he claims are setting up XRP treasuries. The implication is that these firms, which hold significant stakes in global banking institutions, will benefit directly when banks save money by transacting with XRP instead of through SWIFT.
“It’s a win‑win,” Remi argued. “Every time Bank of America uses XRP, they save money, and Vanguard & BlackRock profit from their XRP holdings.”
The Ripple Advantage
With Ripple holding patents on its ODL technology, Remi suggested that no competing blockchain can match XRP’s liquidity capabilities. Moreover, he warned that SWIFT’s role could diminish further once Ripple expands its messaging and oracle systems, effectively bypassing SWIFT altogether.
“SWIFT needs the banks. The banks no longer need SWIFT,” Remi wrote, predicting that countries will increasingly avoid SWIFT due to its geopolitical weaponization.
In his most dramatic claim, Remi stated that Ripple could emerge as a new global monetary infrastructure, effectively acting as a “new Fed/Treasury” once regulatory approvals and licenses are finalized. “Trust me, what’s coming for XRP and XLM will leave you gobsmacked,” he concluded.
The Bigger Picture
Remi’s remarks reflect a growing narrative within parts of the XRP community: that Ripple’s liquidity solutions could ultimately replace or overshadow SWIFT, positioning XRP as the backbone of international settlements.
Whether this vision materializes depends on regulatory clarity, institutional adoption, and global acceptance of tokenized liquidity systems.