SWIFT

Agronopolopogis

!RemindMe 1 year XRP hit ATH just over a month ago. It's leveraged by several national banks at this point, being tested under SWIFT along with HBAR (also a solid buy), they've developed tons of international relationships, etc

evgeniy_pp

\- Bitcoin is a new form of money. \- Ethereum and its imitators (BNB, Solana, etc.) are virtual analogues of NYSE and NASDAQ, but for unregistered securities. \- All tokens on this platforms are plain unregistered securities. \- Ripple (XPR) is an analogue of SWIFT with bells and whistles. \- Stablecoins are virtual analogues of fiat.

opensandshuts

What major institutions are working with XRP? Chainlink is working with Mastercard, JP Morgan, ICE for FOREX markets (They also own the NYSE), and has run successful pilots with SWIFT (global org that coordinates cross border payments, and they also had a successful pilot with DTCC (The organization that handles the settlement and infrastructure for the US stock market). That's not even all of the institutions that they're already working with. Please for the love of God someone tell me what XRP is doing with institutions. I feel like I'm going crazy trying to understand why anyone is associating XRP x institutions, but I hear it all the time, just without a single iota of evidence.

ReversePsychologyDRR

Well most recently I read where SWIFT is considering using XRP or HBAR to integrate into their money transfer system who ever they use get at least 7,000 - 10,000 shares of HBAR while you can if not more, and have at least 6000 shares of XRP, the two of them are powerful but I would say XRP has deeper roots in the financial system and is broader globally network. Any thoughts on this perspective?

jdizzle512

Can you not read? This is from SWIFT.COM. Swift dot fucking com bro 2023 bro in the year of our lord two thousand and twenty three Swift: “Swift collaborated with several major financial institutions on the experiments, including Australia and New Zealand Banking Group Limited (ANZ), BNP Paribas, BNY Mellon, Citi, Clearstream, Euroclear, Lloyds Banking Group, SIX Digital Exchange (SDX) and The Depository Trust & Clearing Corporation. Chainlink was used as an enterprise abstraction layer to securely connect the Swift network to the Ethereum Sepolia network, while Chainlink’s Cross-Chain Interoperability Protocol (CCIP) enabled complete interoperability between the source and destination blockchains.” https://www.swift.com/news-events/press-releases/swift-unlocks-potential-tokenisation-successful-blockchain-experiment

ThriceHawk

What major banks? The major banks aren't using Ripple, that's why people hate on it. It claims to be the bankers coin but isn't. Bank of America was the big one XRP fans always touted. Now BofA hasn't mentioned them in ~5 years, and are creating their own stablecoin. SWIFT is using Chainlink. JP Morgan, Citi, Fidelity, US Bank, BNY Melon, BNP Paribas, UBS, ANZ, on and on are using Chainlink. The NDA's have nothing to do with institutions using XRP. The 1,700 contracts were organized into 4 different categories in the report,none of which were institutions using XRP.

Slajso

I mean...old SWift will eventually be over, and "everyone" that will offer the same thing, only in a new way, will "take over", including SWIFT themselves that will offer the same "new thing". Instead of Swift only, we'll have X number of options, all waaaaaaaaaaaaaay better and more efficient than the "old system" that is still (mostly) used. So.....water is wet?

ThriceHawk

No other project outside of ETH has the adoption and partnerships of Chainlink. They are becoming the standard for the TradFi transition into blockchain... Partnered with SWIFT, JP Morgan, Fidelity, Mastercard, Citi, US Bank, Euroclear, the DTCC, Coimbase, BNY Melon, BNP Paribas, UBS, on and on... That's on top of already securing ~80% of DeFi and being critical for the already on-chain ecosystems. And they are working alongside the US government as they shape legislation. Chainlink's co-founder was present and shaking hands with the President as the GENIUS Act was signed. As these financial institutions build their L1 blockchains/stablecoins/tokenized assets, Chainlink is the critical infrastructure being adopted and we are seeing that with public, verified partnerships.

ThriceHawk

Quite aware... My response was to the poster hoping SWIFT would integrate with XRP for cross border payments. What is your point?

fajarsis02

I'm an implementer of Payment System (Non SWIFT) and my sistem uses ISO20022 as base messaging format. ISO is NOT a language, ISO is standard governing body which publishes many standards. ISO 27001 is standard for security, ISO 11801 for cabling and many more..

fajarsis02

This is false, SWIFT uses ISO20022 for it's base messaging format. ISO20022 can be used for other purposes as well outside SWIFT

ThriceHawk

That is not happening. SWIFT is positioning themselves to be able to integrate with any blockchain by their partnership with Chainlink. The banks don't want to choose just any one chain. They want to create their own, have interoperability with others, etc. The CIO of SWIFT has openly bashed XRP on LinkedIn. Your best exposure to all of this is through LINK.

janromac

This is false, there’s a governing body that controls this standard. SWIFT is the registration authority for ISO 20022

ThriceHawk

There's nothing irrational about it. XRP has been pumped from the absolutely insane cult/fake social media marketing around it. Every single day, you see posts that are flat out lies from their biggest influencers getting thousands of likes/views. Things like "XRP to acquire SWIFT!" Which isn't even possible. Or things like it secretly working with the US government or it being the banking coin but for some reason (🙄) needing all of these NDA's... Meanwhile, something like Chainlink is actually shaking hands with the president while they sign the GENIUS Act and the Ripple team is left outside. Chainlink is actually at Sibos. SWIFT is actually a key sponsor of Chainlink's Smartcon. Chainlink has actual publicly verified partnerships with JP Morgan, Citi, Fidelity, Mastercard, US Bank, Franklin Templeton, BNP Paribas, Euroclear, the DTCC. No NDA's needed somehow... And Bank of America has ditched Ripple and is creating their own stablecoin. It's not FUD. People who just actually pay attention get annoyed and call it out.

KFC_Fleshlight

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Timely_Trouble8258

Chainlink, and here's why 1. **Because without it, half of crypto is just LARPing.** Smart contracts without real-world data? Cute. It’s like building a robot that can “do anything”… as long as you never take it out of the lab. Chainlink is the one actually giving blockchains eyes and ears. 2. **It’s basically the plumbing nobody talks about.** Everyone loves the flashy Layer 1s and meme coins, but guess what? They’re calling Chainlink in the background to actually function. It’s the boring grown-up in the room making sure DeFi doesn’t collapse every five minutes. 3. **Partnerships everywhere.** Banks, SWIFT, Google, random DeFi projects you’ve never heard of — yeah, they’re all plugged into Chainlink. But sure, keep betting on your “next 100x” meme token instead. 4. **CCIP is the sleeper weapon.** Cross-chain interoperability sounds nerdy, but it’s basically the “oh crap” button that makes everything talk to everything else. When chains stop being their own lonely islands, guess who’s running the bridges? Spoiler: not XRP. 5. **It survived multiple bear markets.** While other projects flatlined or turned into Discord ghost towns, Chainlink kept building. That’s called having actual utility, not just vibes. 6. **And the community?** Not culty, not screechy — just quietly stacking and letting Sergey Nazarov (the Gandalf of crypto) do wizard things. 👉 So yeah, Chainlink isn’t sexy. It’s not screaming “Lambo tomorrow.” But it’s the crypto equivalent of electricity: boring until you realize nothing works without it.

Timely_Trouble8258

1. **Regulatory Uncertainty** Oh yeah, nothing screams “solid investment” like a coin that’s been in a years-long fistfight with the SEC. Who doesn’t want to gamble on court cases instead of market cycles? 2. **Centralization Concerns** Totally decentralized… if you ignore the fact that Ripple Labs printed it, owns a mountain of it, and can basically flood the market whenever they want. But sure, “the people’s coin.” 3. **Adoption** Banks love Ripple’s *software*. XRP itself? Not so much. But hey, you can tell your friends your favorite bank *might* use it one day. 4. **Competition** Forget about stablecoins, CBDCs, or Visa’s blockchain experiments — obviously, XRP will single-handedly replace SWIFT and save the financial world. Just ignore the fact that everyone else is building faster and more scalable solutions. 5. **Market Performance** The next bull run will definitely make you rich… right? Always the next one. 6. **Community Divide** It’s either “the future of finance” or “a useless banker coin.” No middle ground. Perfect if you like living in Twitter echo chambers. 👉 **So yeah, XRP is obviously the safest, most decentralized, future-proof coin out there. Just make sure you also invest in lottery tickets while you’re at it they have about the same odds.**

Successful-Ad-5443

I’ve explained why the token price must rise so we’ll skip that. Enterprise chains failed because they were siloed. CCIP isn’t a “private chain” — it’s the neutral interoperability standard between public chains, private ledgers, custodians, and banks that allows money and messaging to be sent within the same workflow. That’s not something you can replace with just running your own server. There’s a reason why major banks like Jp Morgan and anz are completing proof of concepts. Yes, price feeds are many. Pyth, flare, band protocol we could go down the list. But the moat isn’t built around the cheapest option, when it comes to the level of institutions link are onboarding, the moat is based on reliability, reputation, and integration at scale. DTCC, SWIFT etc aren’t going to pull some free API feed off Yahoo Finance, they value resilience, uptime guarantees, decentralized validation, and legal/insurance frameworks. Competitors offer price feeds, link offers everything they need in one platform. That’s the moat. Again, I don’t care for current revenue. Eth was at 100b market cap earning peanuts for fees. I agree fees don’t justify LINK’s market cap today. But by your logic, Eths 100b valuation in 2018 was also unjustifiable. Your logic would have most likely faded the run to 500b. Both are SoV bets, ETH on computation, LINK on interoperability. Difference is ones narrative has already run and become mainstream, the others is just getting started. The fact you think it’s so easy to simply switch a legacy system that the entire financial world has been running on for the last 50 years is laughable. This is a technological shift that has been in the making for almost a decade now, swift and link have been working together since 2016. In finance, cheapest ≠ winner. Reliability and standards win. SWIFT isn’t cheap but banks still pay because it’s the universal standard. Once you’re the default, switching costs lock everyone in. LINK is positioning to be the SWIFT of interoperability, and I believe that’s why swift themselves are already testing and integrating it. That’s what I’m betting on. Only time will tell.

Successful-Ad-5443

I’ve explained why the token price must rise so we’ll skip that. Enterprise chains failed because they were siloed. CCIP isn’t a “private chain” — it’s the neutral interoperability standard between public chains, private ledgers, custodians, and banks that allows money and messaging to be sent within the same workflow. That’s not something you can replace with just running your own server. There’s a reason why major banks like Jp Morgan and anz are completing proof of concepts. Yes, price feeds are many. Pyth, flare, band protocol we could go down the list. But the moat isn’t built around the cheapest option, when it comes to the level of institutions link are onboarding, the moat is based on reliability, reputation, and integration at scale. DTCC, SWIFT etc aren’t going to pull some free API feed off Yahoo Finance, they value resilience, uptime guarantees, decentralized validation, and legal/insurance frameworks. Competitors offer price feeds, link offers everything they need in one platform. That’s the moat. Again, I don’t care for current revenue. Eth was at 100b market cap earning peanuts for fees. I agree fees don’t justify LINK’s market cap today. But by your logic, Eths 100b valuation in 2018 was also unjustifiable. Your logic would have most likely faded the run to 500b. Both are SoV bets, ETH on computation, LINK on interoperability. Difference is ones narrative has already run and become mainstream, the others is just getting started. The fact you think it’s so easy to simply switch a legacy system that the entire financial world has been running on for the last 50 years is laughable. This is a technological shift that has been in the making for almost a decade now, swift and link have been working together since 2016. In finance, cheapest ≠ winner. Reliability and standards win. SWIFT isn’t cheap but banks still pay because it’s the universal standard. Once you’re the default, switching costs lock everyone in. LINK is positioning to be the SWIFT of interoperability, and I believe that’s why swift themselves are already testing and integrating it. That’s what I’m betting on. Only time will tell.

DigitaICriminal

XRP is a technology company without technology. Xrp is not Blockchain, it's an permissioned centralized database. Xrp got infinite supply, and high % is held by ripple. Total scam for gullible. And yeh it will not replace SWIFT, some banks use ripple rails to transfers but this thing don't use xrp at all.

Scotty415

The short version I'll give is go look at the official partnerships Chainlink is working with to bring their financial systems on-chain. SWIFT, Mastercard, JP Morgan, Intercontinental Exchange, Fidelity International, just to name a few.

Successful-Ad-5443

Your mistake is worrying about selling pressure. To secure CCIP and oracles, node operators must stake LINK as collateral. The bigger the financial flows (SWIFT, DTCC, banks, RWAs), the more LINK must be staked to provide security guarantees. As institutional demand scales, more link will be locked up and the supply crunch will force price upwards. Eventually the demand to acquire link for staking will far outweigh the selling pressure and the token will be forced to reprice.

fajarsis02

I saw that already in Bali since 2 years ago, specifically with Russian tourist / long stayer. Due to the blockade of Russian banks from SWIFT they bought crypto using RUB in Russian exchange transfer it to Indonesian exchange and then sold it to IDR to then transfer it to Indonesian e-wallet app to pay for their life necessity.

PsychicTrader2022

Of course. Here is a fundamental analysis of XRP's potential to compete with SWIFT, formatted as a Reddit post. Title: Will XRP Replace SWIFT? A Realistic Look at its Future 🚀 Hey r/CryptoCurrency, I see the "Does XRP have a future?" question pop up all the time. Instead of just talking price, let's break down its core purpose: competing with SWIFT for cross-border payments. Here’s a fundamental analysis. TL;DR: XRP won't replace SWIFT overnight, but its technology is a serious competitor aiming to fix major problems in international finance. Its success hinges on overcoming massive regulatory hurdles and convincing a slow-moving industry to adopt new tech. ## What's the Problem with SWIFT? First, understand what XRP is up against. SWIFT is the system banks use to send messages to each other about money transfers. Think of it like a secure email system for banks. The problem? It's old, slow, and expensive. * Slow: International transfers can take 3-5 business days because money has to hop between several "correspondent banks." * Expensive: Each bank in the chain takes a cut, leading to high fees. * Inefficient: Banks have to park huge amounts of cash in accounts all over the world (called nostro/vostro accounts) just to be able to make these payments. That's trillions of dollars sitting idle. ## How XRP Aims to "Fix" This This is where Ripple and XRP come in. They offer a fundamentally different approach. * Technology: The XRP Ledger (XRPL) is a decentralized blockchain that can settle transactions in 3-5 seconds. * The Asset: XRP is the native digital asset on the ledger. It's designed to be a "bridge currency." Instead of a chain of banks, a payment company using Ripple's On-Demand Liquidity (ODL) service can: * Convert US Dollars to XRP in the U.S. * Send the XRP across the ledger instantly to, say, Mexico. * Instantly convert that XRP into Mexican Pesos. The result? A near-instant payment with a tiny transaction fee (fractions of a cent). This process eliminates the need for those pre-funded nostro/vostro accounts, freeing up billions in capital. It's like replacing snail mail with email—cheaper, faster, and more direct. 💸 ## The Hurdles & Headwinds (The Bear Case 🐻) So why hasn't XRP already taken over? The challenges are massive. * The SEC Lawsuit: The biggest shadow over XRP is the lawsuit from the U.S. Securities and Exchange Commission. While Ripple scored a major victory in 2023 when a judge ruled that programmatic sales of XRP were not securities, the legal battle isn't completely over. This uncertainty has slowed adoption, especially in the US. ⚖️ * The SWIFT Monopoly: SWIFT has an incredible network effect. Over 11,000 institutions are already plugged into its system. Convincing this massive, conservative industry to rip out its existing infrastructure for a new technology is an epic challenge. Banks are slow to change. * Centralization Concerns: A common criticism is that Ripple (the company) owns a large amount of the total XRP supply. While the XRP Ledger itself is decentralized, this large holding gives Ripple significant influence, which worries some purists in the crypto space. ## Conclusion: Competitor, Not a Replacement (For Now) Thinking of XRP as a total SWIFT replacement is probably the wrong way to look at it. SWIFT is deeply entrenched. A more realistic future sees XRP and Ripple's payment technology as a powerful competitor that carves out a significant niche. It can offer a superior alternative for specific payment corridors, especially in regions with less-developed banking infrastructure. Ultimately, XRP's future depends on two things: * Regulatory Clarity: Getting a clear green light from regulators worldwide is essential for mainstream bank adoption. * Network Adoption: Ripple needs to continue signing partnerships and convincing financial institutions that the cost of switching is worth the long-term benefits. The tech is solid for its intended purpose, but success in the real world is about more than just good tech. Hope this helps. As always, DYOR (Do Your Own Research)!

coinfeeds-bot

tldr; Central banks have purchased 166 tonnes of gold, with reserves now exceeding 36,000 tonnes, driven by countries like China, Turkey, India, and Russia. This trend aligns with BRICS' plans to launch a new currency in 2026, aiming to reduce reliance on the dollar. At the 17th BRICS Summit, members agreed to develop digital payment systems and expand trade using local currencies. The bloc, now BRICS-10, represents 46% of the global population and 37% of GDP, strengthening its push for an alternative financial system outside SWIFT. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Personal-Reality9045

Increasing block size is a stupid idea, that makes it more difficult for blocks to propagate the network. Smaller and more frequent blocks are better. This has been quantified and measured. Understanding the traditional monetary system and how it solves scaling is crucial. In this space, there appears to be limited understanding of market infrastructure and traditional finance system operations, particularly regarding the role of clearinghouses. Clearinghouses and cryptocurrencies face similar capacity issues, requiring layered system solutions. For instance, Fedwire and ACH can only handle limited transactions simultaneously. These systems are append-only, similar to blockchain technology - when you send a wire transfer, it cannot be reversed, just like cryptocurrency transactions. The base layer wire system solves custody risk, which is an improvement, but still faces clearinghouse capacity limitations. The global financial system addresses this through layers of clearinghouses, including sovereign clearinghouses and various clearing networks. America uses ACH domestically for retail and fed wire for large sums between banks, while SWIFT handles global transfers - both being slow and expensive systems that cryptocurrency aims to expedite. Cryptocurrency also eliminates the need for the Eurodollar system, which countries use for large international trade settlements. Without custody risk, there's no need for this intermediary system that prevents transaction reversals in major international trades while eliminating the sanction ability of the central authority, currently, America. What is also important to note, to solve liquidity issues,in this space, you need the repo market for short term treasury loans. International trade via Eurodollar runs on 2 separate clearing systems. The scaling problem for clearing has been solved but remains poorly implemented. Solutions like netting and multiple clearing systems exist but aren't widely adopted. The concept of scaling a single clearing system to handle global transaction capacity is impractical. Instead, different layers of responsibility are needed, similar to how a rocket uses different stages to address various challenges in space travel. Claiming the correct spec deviated from Satoshi's plan is dogmatic. Mis guided zealotry that pollutes this space, people claiming to properly interpret the white paper as if they were golden idol high priests for religious scripture. Grow up. Put your head down and do some real engineering and bring solutions instead of bitching. Protocols need to evolve as they collide with real world use case. Satoshi is gone. The tech is open source.

ThriceHawk

How does a company like Chainlink, that literally secures 80%+ of DeFi... and is partnered with JP Morgan, Fidelity, SWIFT, Mastercard, Citi, Coinbase, Euroclear, the DTCC, etc. etc... not have good tech?!

ThriceHawk

You can put a decent chunk in now, but I'd mainly dollar cost average in to be safe. 33% BTC, 33% ETH, 33% LINK. BTC - Obvious, clear king of crypto, not much explanation needed here. ETH - Powering the largest ecosystem of dApps, Smart Contracts, DeFi, etc... The foundation for web3 applications. Largest and most active developer community in crypto. Ethereum accounts for 60%+ of DeFi's TVL. Huge player in tradfi tokenized assets moving forward. Primary blockchain for stablecoins. LINK - Leading oracle provider, secures 80%+ of DeFi, and the bridge with traditional finance/real world data. Already partnered with JP Morgan, SWIFT, Citi, Fidelity, the DTCC, Coinbase, AAVE, Mastercard, BNP Paribas, BNY Melon, Euroclear, etc. Provides cross chain interoperability allowing tokenized assets and data to move seamlessly across 50+ blockchains, including Ethereum, Polygon, Solana, etc. Key enabler of tokenized assets, provides proof of reserves for stablecoins/securities, and data feeds for equities, ETF's, etc.

NextLevelDetailing

Banks are already using it around the world. In the US its supposed to replace SWIFT system (old,slow and costly tech) I hold XRP, and XLM because I got it 5 years ago. XRP @ .32 cents and XLM @ .09 cents

ThriceHawk

Ripple is not remotely close to being in a strong position to replace SWIFT.

Redhaired103

These are also not happening with Ripple. XRP holders just keep repeating the same scenario… that is unlikely to happen. Experts say a realistic *at best* option Ripple co-existing with SWIFT. Not replacing it. (And even that replacement would not mean XRP itself would go 🚀) AVAX serves well for a purpose and getting stronger. This is better than investing in fantasies. Research both *realistically*. (and Avalanche / AVAX here is really just one example.) Ripple is great at publicity but please follow the coins’ price and profit level. They should speak for themselves.

Ebeon933

But the company behind it, are they filing a bank charter? Are in a strong position replace SWIFT? Out of Ripple you got Stellar, Tron, and SHX(Stronghold).

ThriceHawk

More a high likelihood at this point. Chainlink and SWIFT mentioned plans were to scale toward production (from their previous pre-production trials) in the 2nd half of 2025. Chainlink will be at the SWIFT Sibos event in late September/early October, and the SWIFT team at Chainlink's Smartcon in November. Lots of speculation that production will be announced at one of those events... As it lines up with their timelines and these events have been when previous updates have been provided.

Next-Step-Jobs

Oh my, I’m still learning and pretty new to crypto but I had no clue about this SWIFT move in November, that’s actually wild, I feel like that can be huge

RubberyDolphin

Not by themselves. But take stablecoins and add CBDCs, BRICS_Pay, XRP, etc., and SWIFT becomes an inefficient option. SWIFT can adapt though, I think—doesn’t it have a bunch of projects testing out different crypto-rail based options?

ThriceHawk

It absolutely is positioned to moon, especially now with the Chainlink Reserve going live. Chainlink is sooooo incredibly undervalued. SWIFT about to go live in November... I think there is just a genuine lack of knowledge in crypto and Chainlink hasn't wasted time pouring a bunch of money into social media influencer hype. They are partnered with JP Morgan, Fidelity, SWIFT, the DTCC, Mastercard, Coinbase, 80%+ of DeFi, Citi, BNP Paribas, UBS, BNY Melon... but are 12th in markercap?! That's a huge opportunity for people right in front of them.

Gradoguy

Exactly the “SWIFT killer” dream died a while ago, now it’s just centralized bag-holding. If you want something actually positioned to grow with real-world adoption, IOTA’s the one to watch.

williaminla

Fuck SWIFT. All my homies hate SWIFT

ThriceHawk

They can move their own stablecoin between different networks or institutions using their existing integrations with SWIFT along with Chainlink.

DevilKnight03

I’d lean toward HBAR right now, it’s already running trials with SWIFT, which is something XRP talked about for years but hasn’t delivered at the same scale. I’ve been picking up small amounts through levex since their fees are decent and the interface is straightforward, then moving it to my own wallet. Makes the whole process a lot smoother.

Lemon_Club

SEPA is only for Euro denominated payments no? You wouldn't need SWIFT or stablecoins anyways. Why couldn't stablecoins help with bank transfers? Is this where XRP could be used? Especially for low liquidity corridors?

Coreantes

Yes, you're right about this one fact. However, personally, I don't see any "crypto bro solution" take over things that are so embedded as TradFi. For example, everyone and their mother has an IBAN account in Europe, plus the EU has the SEPA in which it is mandatory for banks to process a transfer within 24h. IBAN/SEPA already don't require SWIFT anymore, so with regards to this title, it could've also just generally be: Is Swift DEAD?! (or something similar)... Stablecoins, however, are not simple going to replace bank-2-bank transfers across continents or be anywhere as useful (read: easy to execute) for the average Joe that needs to transfer large sums of money. And if it's a small sum.... well, there's plenty of alternatives already.

Natural_NoChemical

Stablecoins can move value across borders in seconds while SWIFT can still take days. If adoption keeps growing, SWIFT will either adapt or fade into the background.

coinfeeds-bot

tldr; The article explores how stablecoins, digital tokens backed by traditional currencies, are revolutionizing cross-border payments, potentially challenging the SWIFT network. Stablecoins offer faster, cheaper, and more transparent transactions by bypassing traditional banking intermediaries. The 'Stablecoin Sandwich' model simplifies international payments through local currency conversion, blockchain transfers, and reconversion to the recipient's currency. This innovation enhances efficiency, scalability, and inclusion, while reinforcing the dominance of the US dollar in global finance. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

cryptolipto

It absolutely will not Chainlink will consolidate the global financial system, connecting tradfi to defi, and they have been doing exactly that over the last 2-3 years of testing SWIFT: https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems DTCC https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink ICE (the NYSE) https://www.prnewswire.com/news-releases/chainlink-and-ice-collaborate-to-bring-high-quality-forex-and-precious-metals-data-onchain-302526234.html VISA https://thepaypers.com/crypto-web3-and-cbdc/news/visa-and-chainlink-test-cbdc-stablecoin-swap-across-blockchains Mastercard https://www.mastercard.com/us/en/news-and-trends/press/2025/june/mastercard-chainlink-crypto.html Fidelity https://www.sygnum.com/news/sygnum-and-fidelity-international-partner-with-chainlink-to-provide-fund-nav-data-onchain/ JP Morgan https://www.jpmorgan.com/payments/newsroom/kinexys-chainlink-ondo-tokenized-asset-test The Central Bank of Hong Kong https://chainlinktoday.com/chainlink-ccip-enables-exchange-of-hong-kong-cbdc-and-australian-dollar-stablecoin/ Euroclear https://chainlinktoday.com/chainlink-euroclear-swift-six-major-market-participants-launch-initiative-to-standardize-corporate-actions-data-onchain-at-sibos/ The central bank of Brazil https://www.prnewswire.com/news-releases/chainlink-plexos-institute-and-edinheiro-partner-to-democratize-financial-access-in-brazil-302516568.html And on and on and on and on…

uthinkicarenah

Pure manipulated at the finest. The lawsuit ends still $3. People say it will become a bank. Sure, you see the random bank on the street? That's Ripple Bank. It will not be BOA first day. Replacing SWIFT? There's 0 chance. 0. The lawsuit was the biggest bullish news you can ever imagine with XRP. Look at where it is now. $3 is the absolute maximum it can go.

JustStopppingBye

>sure yes they worked with SWIFT, on a treasury use case, [Still wrong lol](https://www.swift.com/news-events/news/live-trials-digital-asset-transactions-swift-start-2025) >that don't mean all swift payments will start using chainlink, seriously there in no single crypto that is going run everything... Yes correct, a single blockchain will never be able to do this, that why Swift helped develop CCIP with chainlink labs. Chainlinks just needs to be the common middleware standard connecting all the major networks and institutions, which is clearly happening.

mbate2305

Lol when will you stop inflating everything ... sure yes they worked with SWIFT, on a treasury use case, that don't mean all swift payments will start using chainlink, seriously there in no single crypto that is going run everything...

FlappySocks

Ethereum had multi client from the start. Solana has that now, and is the only chain that can support institutional volumes of traffic. Besides, legacy banks and institutions have already made their choice. The largest of which SWIFT comes on stream in weeks.

Personal-Reality9045

Man, it is so good to finally meet someone that knows what they are talking about. SO I wrote something and put it through claude to clean it up and make it more coherent. Hope you dont mind, I put in about 20 minutes of effort into responding to you. If you want my original messy text, I'd be happy to provide it. The global financial system operates through US-controlled settlement mechanisms: * Eurodollars: Clear through CHIPS and SWIFT, using correspondent banking networks * US Treasuries: Settle via Fedwire and DTCC's Fixed Income Clearing Corporation The US enforces participation through sanctions and, historically, military intervention. This isn't voluntary—it's mandatory for global trade. I agree with your view on this. # Bitcoin: The Settlement Layer Bitcoin is misunderstood as just digital currency. It's actually: * A decentralized settlement network * Infrastructure for building financial instruments (currencies, bonds, equities, derivatives) * A solution to custody risk and peer-to-peer digital asset exchange (**Atomic Swaps**) Current limitations include high volatility and insufficient market cap, but the ecosystem is evolving with experiments like stablecoins. # The Reformation Parallel Just as Martin Luther broke the Catholic Church's monopoly through literacy, Bitcoin breaks the monopoly on financial ledgers: * Then: Elite controlled literacy → Church enforced religious monopoly * Now: Elite control ledgers → US enforces monetary hegemony The difference: individuals now have permissionless access to a global settlement system. # The Future: No Reserve Currency Needed Bitcoin won't become the next reserve currency—it enables a world without one: * Direct atomic swaps between currencies and assets, no need for exchanges. * Individual choice replacing state enforcement * Competitive marketplace of currencies based on merit # Conclusion We're not replacing one hegemon with another. Bitcoin provides the foundation for a competitive financial marketplace where choice replaces coercion—a fundamental reimagining that most cannot envision because it breaks from 600 years of precedent. And one last thing, do you think AI Agents are signing up for bank and brokerage accounts. Lol.

ThriceHawk

Yep, easily LINK. Who else has JP Morgan, Citi, Fidelity, Mastercard, SWIFT, BNP Paribas, Coinbase, the DTCC, 80% of DeFi, etc. working with them?

siasl_kopika

you must be behind the times. people have been taking bitcoin for foreign exchange for over 10 years now. And it has scaled up significantly over that time. Even completely inept businesses can be signed up with a local fiat converting partner taking a couple points. Still wildly cheaper and faster than any other international settlement system. Smaller firms often transition to taking the btc directly once they wake up to what they are missing. Remittance companies are being severely undercut, and regional banks that used to take huge cuts from the SWIFT chain are simply being left out of the loop. Small to large importers and exporters are switching, even major nations are slowly abandoning mutual fiat reserves and just settling up in bitcoin. Its faster, has a clear universal value, and none of the wild complexities and value loss from the various types of fiat. The predicted game theory for bitcoin is unfolding almost precisely as predicted.

thistimelineisweird

It is interesting that you give an example of the website, and then immediately follow up and say that part doesn't matter. So why bother including it if it is irrelevant? WordPress still works great for creating websites. SWIFT is dated and now has a serious alternative coming into the picture. You can't even equate these two things, even though you tried. If they were trying to run a Web3 chain that could help become a new server/CMS style system, then, sure, compare away to WordPress (actually, it'd be really funny if someone creating a Web3 blockchain that allowed hosting websites to use WordPress). The example would work much better for what you were shooting for since, you know, WordPress is great as it is. Here's what I want (as an XRP holder). I want to move my money cheaply. I want to move my money quickly. I want it settled instantaneously. I'm sick of having to wait several business days for my money to clear, and I'm sick of banks charging me more for the luxury of accessing my money faster. I want whatever system that solves that problem to be integrated everywhere- my bank, my investments, my credit cards, everywhere. I don't particularly care about the finite details of ISO 20022, but I know enough about ISO codes that if they are adopted in any given industry that it becomes a gold standard. So, that's what people are banking on- a better system. And if it doesn't, oh well. I'm still up a lot in my investment either way.

redsyndrome_

SWIFT is already the global standard for interbank transfers and will remain so for a long time. Banks have no incentive to replace a system that works, especially since SWIFT is already improving its performance through Chainlink and blockchain interoperability...

BioRobotTch

The ISO20022 stuff is just a messaging standard anyway. Actual settlement is performed by CLS Bank , who describe themselves as the biggest bank you have never heard of. At one point the handled 70% of all foreign exchange. Since a blockchain is a settlement system if you want to capture that market then being CLS Bank is a better target then trying to be SWIFT. \>Now, you as 'algorand' holder, may laugh at it, but the EXACT same joke applies to you. Well not me, I've worked with SWIFT standards since before they published ISO20022 standard all the way back to the FIN messaging days. Consumers using FX in future will care about exactly the same stuff in the future as now. Costs, Settlement times and High Availability/Low Barrier of Entry will be the main factors in the future too.

parakite

There is a 'joke' about Ripple Holders: >*I asked a Ripple holder why I should invest in XRP.* >*They said “imagine being able to invest in SWIFT.”* >*To which I said “ok why would I want to invest in SWIFT?”* >*And they said “do you know how SWIFT works?”* >*And I said, “no, do you know how SWIFT works?”* >*And they said “no”.* Now, you as 'algorand' holder, may laugh at it, but the EXACT same joke applies to you. You or them DO NOT know what is ISO 20022, or who SWIFT works, or how ANYTHING works, but you think you know enough to decide that one of these coins is some great 'technology' which will replace SWIFT using ISO 20220 or whatever. Fact of the matter is, none of these coins or so called technologies have anything in them. The [ripple.com](http://ripple.com) website runs on Wordpress, for God's sake, that's how much advanced tech it is. And even if the website were to run on some latest fancy, that' does not mean anything. Point about Wordpress is a metaphor that these companies or coins have NO TECH, they are just marketing. How they are just marking is left as an exercise to the reader.

tungfa

XRP has a well oiled troll army + tons of PR and marketing , they are very good convincing people they are legit and SWIFT and all that that scam centralised shait is hard to beat when it comes to PR and fake “news”

utilizatoru

global money moves have always been slow and expensive. with rail plus ripple, stablecoin rails could rival SWIFT for speed.. minus the fees

ThriceHawk

It's not just BTC vs XRP... It's really anyone paying close attention and not just believing fake social media hype vs. XRP. Ripple had to pivot to a stablecoin because their original thesis was junk. Banks were always going to use existing integrations with SWIFT and just use their own stablecoins. Now, Ripple is dumping XRP on holders to acquire companies to try to make it in the stabelcoin space. They'll "make it" for small banks / financial institutions. But the major players like JP Morgan will use their own stablecoins, Chainlink for interoperability/compliance, SWIFT, etc.

ThriceHawk

Absolutely not. ISO20022 is not replacing SWIFT whatsoever... SWIFT has been the one instrumental in promoting and facilitating its adoption for their 11,500 financial institutions/banks. They began migrating to it for cross border payment messages in 2022 and have had a phased approach to go live in November of this year. RippleNet is simply compliant with ISO20022, just like XLM, ADA, ALGO, HBAR, QNT, IOTA, XDC, and..... Chainlink. But Chainlink is by far the most involved in it. They are partnered with SWIFT and have been working with them for years now, rolling through a PoC and live trials to help SWIFT facilitate DLT based cross-border payments for all of their member institutions. Banks will be able to create their own stablecoins (like JP Morgan is doing, working with Chainlink as well), and they'll be able to integrate with other blockchains using SWIFT's standards and Chainlink's CCIP for interoperability. Eliminating the need for intermediaries like Ripple. But Ripple will still be useful for the smaller banks/financial institutions, they just will have competition for it and won't attract the large banks who can create their own on Ethereum, etc.

MaximumStudent1839

What a clown post. Claim: real utility (not just hype) Proceed to claim XRP replacing SWIFT...

thelittlepapaya

ISO20022 is replacing SWIFT and XRP is one of only a few that are ISO20022 compliant. Banks have initiated the cross over 7/14/2025. To be completed large scale Nov 2025 with smaller banks lagging behind in transition. Full implementation completion worldwide - goal by 2034.

CryptoNerdSmacker

Exactly. If Ripple walked away from the SEC mostly clean, a few banks asking for extra scrutiny probably won’t stop them. Apparently they’re saying it’s part of the process and requisites for getting a national trust charter. This isn’t a typical retail bank application either. It’s to serve big institutions, tapping into FED systems, ACH, SWIFT alternatives, and corporate settlement. Some hundreds of billions, maybe trillions, in annual volume. Even a small slice routed through RLUSD would mean serious transaction activity on both ETH and XRPL. Basically real demand and utility for ETH and XRP. Minting, AMMs, liquidity pools, and trustlines, all of it burns gas and locks tokens. I’ve been watching RLUSD like a hawk since its release. It already hit $600M market cap up $200M in just a month and volume is split around 75/25 between ETH and XRPL. It’s about to break the Top 100 for market cap. If Ripple gets this charter that growth could scale fast.

ZaneStutt

Oh yeah, chainlink is deeply into messaging, but I didn’t say that XRP is trying to be SWIFT. I just think that it settles value, not just messages. Looks like that SWIFT tested Chainlink for messaging upgrades, not for payments. And these are two different roles. But both definitely matters. Thanks for jumping in!!

NoLegJoe

Pal, ever heard of SWIFT? Ever heard of SEPA, ACH, BACS, CHAPS?? Banks have been sending money internationally for decades, and they don't need to burn the energy of a medium sized nation to do it.

Own_Entertainment164

XRP is more of a bankers coin because its core purpose is to facilitate faster and cheaper cross-border payments for financial institutions using its RippleNet technology. In contrast, Chainlink (LINK) acts as a bridge, providing secure, real-world data to smart contracts on blockchains, a service that financial institutions use for things like tokenized assets and automated workflows, but its purpose is not solely banking. Many financial institutions use RippleNet, the payment network associated with XRP, but the use of the XRP cryptocurrency itself is limited. Chainlink, on the other hand, is widely used by major financial institutions and market infrastructures like SWIFT, UBS, and Mastercard to connect their systems to blockchain networks and enable new financial products.

ThriceHawk

XRP is absolutely not the bankers coin. That's LINK. LINK is working with JP Morgan, SWIFT (global messaging network for 11,500 banks and financial institutions), Fidelity, BNP Paribas, the DTCC, Euroclear, Citi, UBS, ANZ, Franklin Templeton, Mastercard, BNY Melon, on and on. XRP doesn't come close to that.

CryptoNerdSmacker

Imo any chain that can support stable coins will thrive. Not just any stable coin either but ones that are fully compliant with USA and EU based regulation being passed for them. A quick look see will net you two stable coins that are the most compliant. #1 is RLUSD, Ripple Labs’ stable coin. #2 is USDC, Circle’s stable coin. RLUSD can be transacted on either ETH Mainnet or XRPL, where ETH and XRP are burned as gas respectively. So you could see that you should pin down which chains and their respective native currencies will thrive leveraging flywheel utility of the native currencies. ETH and XRP get plenty of flywheel utility from stable coin activity on their native chains. This flywheel utility could be stable coin minting, stable coin transactions in general, liquidity pools for currency swapping and bridging, AMM pools, and trustlines established during account/currency creation. All of these create upward pressure on the native currency’s price because of increased demand by the way of utility. Ripple Labs is making a lot of headway in the institutional finance world and some think this may directly interface RLUSD and XRPL to things like ACH, SWIFT, FED, etc. Currently RLUSD’s marketcap is around $600 million, having increase around $200 million in the last 30 days. The ETH Mainnet / XRPL ratio for RLUSD’s volume is around 75/25 ETH/XRPL. Not financial advice but I believe ETH and XRP will thrive simply because of their capture of ever growing stable coin market.

IvorySlaysFPS

But XLM is not carrying as much adoption and has zero chance of replacing the SWIFT Banking System. A lot of you skeptics are in for a wild surprise. Maybe you’ll be on time for the next ride.

IvorySlaysFPS

It’s so crazy to me that people can’t do a simple search to find that Ripple is trying to replace the SWIFT Banking System. It’s really not rocket science to understand what a Spot ETF could do to XRP. SEC deadline is the 15th of this month, August. I see momentum late September-November. Maybe the biggest increase in price we’ve ever seen for a Crypto in so little time.

ThriceHawk

LINK Already working with JP Morgan, Mastercard, SWIFT, Fidelity, UBS, Euroclear, the DTCC, Coinbase... on and on. Secures a vast majority if DeFi. The co-founder was just shaking hands with the president while present for the signing of the GENIUS Act, the new Digital Asset Report released by the White House yesterday specifically mentions them and has one of their diagrams, the new legislature going through requires proof of reserves and they're the #1 provider... The list goes on and on. LINK should be top 3 already. The potential is huge when all these financial institutions are using them for data verification, proof of reserves, interoperability, compliance, identity, etc.

B1ggusDckus

Dawg, bitcoin is not slow its ffffast! My stock sales settle in 2+ days, my ACH settles in 1-3 days, SWIFT transactions take 5 days, credit card payments need 1-3 days to settle; Bitcoin settles in less than 60minutes completely finalized. \> There is no way to build a kind of protection mechanism to revert transactions Exactly, which is THE selling point of bitcoin. I think there is a large misunderstanding that bitcoin should replace credit cards, it wont. It will be the backbone of the global financial system because it is so damn fast compared to any other clearing solution we have.

CaptainRelevant

Because it saves a few steps; each step causes a bit of friction cost. 1) Sol -> USD -> USD Stablecoin -> USD -> RWF Or 2) Sol -> XRP -> RWF It’s in these highly illiquid corridors (payments between any two countries where not a lot of trade occurs) that XRP makes payments cheaper. The market is about 14% of the international payments market. They won’t replace SWIFT. They’re trying to eat into its market share. Thats a real use case for speculators to bet on, better than 99% of other cryptos. Not the best (BTC and ETH are probably better, maybe others), but pretty good.

SavingsDimensions74

Yeah, missed that. Soz. I could bore you with a long story about trying to help a homeless friend with a few quid and it got stopped by the banks. Money totally lost. HBAR, CRV, CVX, LINK are gonna fuck the shit system that is SWIFT. SWIFT. Almost makes me laugh except my money got confiscated to a suicidal friend. That’s less funny

CaptainRelevant

They don’t want to replace it. They want to eat into SWIFT’s monopoly a bit.

Chewbakka-Wakka

More about providing banks with an alternative to the SWIFT protocol.

footofwrath

even if he's wrong by a factor of 10, that's still a huuuge win. I am optimistic because it is actually the only real consumer-level utility function thus far. On the other hand, crypto itself can replace the need for services like SWIFT, so, XRP's biggest threat is consumer familiarity with crypto in general.

Ok_Passage_4185

Outside risk: interplanetary civilization. If we actually were to begin colonizing the moon or Mars, there could be large implications for how value is created and transferred. While nation states can effectively navigate this transition due to their fiat nature, Bitcoin in its current form is not suitable for interplanetary commerce. Essentially, any attempt to bring Bitcoin off planet will result in a fork. The network latency is too high to handle a single unifying cryptocurrency. Under these conditions, it would be fiat (or new cryptocurrencies that are not Bitcoin) that would become the frictionless, fast, cheap way to transfer value, while traditional Bitcoin like cryptocurrencies would be the hard to use, slow, expensive way to transfer wealth. It would become Western Union, instead of international SWIFT banking.

soyuzman

Interesting analysis but it seems to be solely based on money supply or "circulating money" . Where do you get your data from? Ever expanding M2? Yes but under relative control. If you are afraid about money supply now wait until QE and the Fed lowers rates then you will see a money-supply tsunami. In my opinion the biggest threat for a surge in inflation is in the tariffs. Until all countries strike "deals" with the Trump Administration nobody really knows the extent of this new consumer tax(tariffs are a tax paid by consumers, NOT by exporting countries). Then we may see the real effect of a 15% tariff on Japanese cars for example. The Crypto market with "underlying value" like BTC,ETH, XRP,SOL is no longer a "random place" for money to land. XRP and Ripple will replace SWIFT for inter-bank money movements. ETH powers RWA tokenization. Stablecoins will become the versions of a digitized US dollar and allow even more consumers to adopt cryptocurrency. I personally do not worry as much about inflation as you do. If you are risk on then the best place to put money is into the crypto "majors". Or you may choose to put money in Nvidia or MSFT.

TheSportsBettingGuy

This is great. The only way we see another massive price increase (hundreds of $) is if banks fully adopt XRP as the system to use over SWIFT. The gamble and bet you are making is that our financial world (particularly how banks can move money between banks) is moving towards a massive digital landscape, where all banks would be forced to buy and store XRP. This, in my opinion, is a bet worth making on at least a small scale.

x0wl

Lol no, SWIFT / international wire transfers are complete shit with huge fees that take DAYS to complete. Even onchain BTC is much cheaper and faster than that. >Crypto offers none of this. Crypto payments are not reversible. 1. That's exactly how cash works BTW 2. That's fixable with a smart contract

brandonholm

Just because some crypto supports ISO 20022 messaging doesn’t mean banks or SWIFT are going to use it. You’d be a fool to think they aren’t going to use their in house systems and protocols. They’re not going to trust some sketchy third party company to handle their transaction processing, nor does it even make sense to use a blockchain for inherently centralized transactions. Stop getting so high on the hopium the XRP army is selling dude.

OGPaterdami_anus

So you gonna tell me SWIFT, the largest of em all, is lying to our face for over a decade after them implementing it into their own service. Bro. Take a fucking walk and come back once you realize wtf you are trying to tell here. I have explained it to you very simply. But I'll do it again. ISO 20022 is a global standard for financial messaging that provides a common language and model for financial messages across all domains of finance, including payments, securities, trade services, cards, and foreign exchange. It's often referred to as "the new language of payments" due to its rich, structured, and extensible data model, replacing older, less detailed formats. But I'll make it more dummyproof. It replaces its predecessor. Xrp, the digital asset, isn't compliant. Xrpl is. Xrp is the bridge. But that little paragraph says enough. Stop making up bs YOU came up with. I can fully understand and see the difference between the 2. I'm not high on copium bruv. It's all thc.

JustStopppingBye

Whos publishing these articles then? Why is Brad saying he can take 14% from Swift? [https://www.ainvest.com/news/xrp-news-today-ripple-targets-14-swift-market-share-xrp-2507/](https://www.ainvest.com/news/xrp-news-today-ripple-targets-14-swift-market-share-xrp-2507/) >The company aims to disrupt the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network by leveraging XRP's expanding liquidity role. [https://coincentral.com/xrp-price-targeted-at-45-as-xrpl-activity-surges-and-swift-falls/](https://coincentral.com/xrp-price-targeted-at-45-as-xrpl-activity-surges-and-swift-falls/) >Ripple CEO Brad Garlinghouse projected at the Apex XRPL Summit that XRPL could handle 14% of SWIFT’s $150 trillion annual flow. This would equate to $21 trillion in transaction volume over XRPL within five years. This projection aligns with rising institutional usage of the RippleNet platform, which uses XRPL for cross-border payments.

brandonholm

Bitcoin absolutely does solve the money problem. The base layer will just be used for settlement and coin issuance. Everything else will happen on higher layers. You don’t pay for your lunch with a SWIFT transaction, you use a higher layer with credit or debit card. We will also likely see Bitcoin banks that many people will choose to hold their deposits in.

ThriceHawk

Definitely. Who else has partnerships with JP Morgan, SWIFT, Citi, the DTCC, BNP Paribas, Fidelity, Mastercard, etc... while also being in the room shaking hands with the president for the GENIUS Act signing. Especially all of that and still not even top 10 marketcap is absolutely wild.

ThriceHawk

This is not true whatsoever. Chainlink (Sergey) was just at the Whitehouse during the GENIUS Act, shaking hands with Trump while Ripple wasn't even invited. Chainlink is partnered with SWIFT, JP Morgan, Fidelity, Euroclear, UBS, Coinbase, ANZ, the DTCC, Mastercard, Citi, etc. etc. XRP/Ripple doesn't come close to that.

PapayaAvailable2156

If you are CAD, CHF, AUD, JPY user, the only option for you is Kraken. So buy Kraken+ membership for $4.99/month. These are the paths | \*\*CAD\*\* | \*\*Kraken+\*\* | Interac→USDT/USDC | \*\*$5/month\*\* | Revolut → EUR Strategy | | -------------------------------- | ----------------- | ----------------- | ------------ | ---------------------------------------- | | \*\*AUD\*\* | \*\*Kraken+\*\* | PayID→USDT/USDC | \*\*$5/month\*\* | Revolut → EUR Strategy | | \*\*CHF\*\* | \*\*Kraken+\*\* | SIC→USDT/USDC | \*\*$5/month\*\* | Revolut → EUR Strategy | | \*\*JPY\*\* | \*\*Kraken+\*\* | SWIFT→USDT | \*\*$5/month\*\* | Revolut → EUR Strategy | The alter option for you is make a revolut account (UK Neo Bank), and then change your currency into EUR/USD/GBP, then use the previous currency options.

sgrinavi

Near term it breaks ATH, next cycle $8. If, by some miracle it gets adopted as a standard for cross border payments and replaces the SWIFT system it would go significantly higher just because the XRP boyz would pump it hard. If you have some hang on for a bit, but I would not buy any right now.

MichielLangkamp

✅ 1. It’s built for real adoption — not hype Keeta is one of the only blockchains designed from day one to meet the needs of banks, governments, and fintechs. • Native KYC/AML • Travel Rule–compliant • Infrastructure that institutions can actually use This isn’t about speculation — it’s about replacing broken financial rails. ⸻ ✅ 2. 10M+ TPS — no L2 needed Keeta isn’t promising scale someday — it already hit 10M transactions per second in benchmark testing. No sharding. No rollups. It’s horizontally scalable like Google Cloud — it gets faster as you add nodes. ⸻ ✅ 3. Anchors = the real-world bridge Anchors connect Keeta to: • Fiat rails • Centralized exchanges • Tokenized RWAs • Banks and fintech APIs This is what makes mass adoption possible — and Keeta has it natively built in. ⸻ ✅ 4. Backed by Eric Schmidt — $20M invested The former Google CEO has now personally invested $20 million in Keeta. He’s not chasing trends — he’s betting on infrastructure. This isn’t soft VC money. It’s his own skin in the game. ⸻ ✅ 5. No VC overhang. Clean tokenomics. Keeta didn’t do a hype presale, overallocate to insiders, or flood the market. • No rent-seeking VCs • No massive unlock cliffs • Organic, slow rollout That matters long-term. ⸻ ✅ 6. Already in use by banks Keeta isn’t waiting for adoption — it has begun. • Pilots with banks in over 50 regions • Visa debit card integration in testing • KeetaPay app rolling out stablecoin transfers with identity ⸻ ✅ 7. Focused, not bloated Keeta doesn’t try to be everything at once. It’s laser-focused on payments, custody, and tokenization — exactly what the next wave of institutions needs. ⸻ ✅ 8. Low market cap vs. potential • Still under $300M • Competing with SWIFT (>$1 quadrillion/yr) • If it captures even 1% of that volume, the upside is enormous This is what asymmetric bets look like. ⸻ ✅ 9. Regulatory readiness = survival Most chains will be crushed or sidelined as global regulations tighten. Keeta is already Travel Rule–ready and compliant. When the regulatory flood comes, Keeta benefits from it. ⸻ ✅ 10. One of the few projects where fundamentals > narrative There’s no cult, no meme army, no hype machine. Just serious tech, serious backers, and real-world adoption in motion. That’s exactly the kind of coin worth holding long-term. ⸻ 🧠 TL;DR: If you want one coin to hold for 5 years — Keeta is: • Built for regulation • Already adopted • Scalable now • Backed by Schmidt • Hugely undervalued Keeta isn’t chasing the future. It’s building it. You’re still early.

Non-essential-Kebab

At the time, there was so much FUD "this is a banker coin" "avoid this, screams of big business" - which is terrible logic as banker coins and big business were logically the ones most likely to succeed at the time, surrounded by a sea of crypto ICO's most of which went bust. It solved a problem banks had (still have) - instant cross-border/inter-bank payments. SWIFT is slow as fuck and expensive. Also there was a lot of "not a true crypto" (arguably true) . It seemed a good system though, super fast and throwing coins around from wallet to wallet took just a few seconds with tiny fees This was March/April 2017. Let's be honest though, we all bought in at the time because it was cheap as dirt and we were hoping for a win. It was pure luck. Which again is why throwing a few $k at it would have been stupid in March 2017. It had already been around 5 years without a lot of movement. Oh and the 100 billion max coin supply seemed a bit over the top as well

ThriceHawk

LINK. What other projects are working with JP Morgan, SWIFT, the DTCC, Fidelity, Citi, Coinbase, Euroclear, Mastercard, BNY Melon, BNP Paribas, UBS, etc. They were just in the white house shaking hands with the president for the GENIUS Act. Idk how there is a safer bet outside of BTC/ETH.

OkCantaloupe4959

No such thing as an 'ISO token'. Stop spreading misinformation. >"Cryptocurrencies are not inherently ISO 20022 compliant. There is a lot of confusion and misleading information on the web referring to ISO 20022 compliant cryptocurrencies but those statements are not correct." Source: https://www.iso20022.org/faq Its laughable that you name all those as ISO20022 coins. But do not include the only project working with SWIFT, who are heavily involved in the creation of ISO20022. Absolute social media shilling lies.

Longjumping-Bonus723

Yes mate. Was about time. Link is so undervalued if you read about DTCC and SWIFT :)

ThriceHawk

LINK easily does. It should be top 3 and is 14th in marketcap while they partner with SWIFT, JP Morgan, Fidelity, the DTCC, etc. and the co-founder shakes hands with Trump as they sign the GENIUS Act. No other crypto is doing what they're doing.

1_BigPapi

In case no one is aware, this is almost certainly a paid promo piece on Bitcoin.com. They sold out many moons ago and post "articles" about all kinds of shitters for a price.  Also this is a favorite tactic of Ripple for their ponzi shitcoin.. draft up some bullshit "news" and let it do the media circuit. 'Bluechip" is some tiny ass rater no one heard of and their methodology"SMIDGE" is private so we have no way to hold them accountable. Shocker. They are like a Temu of raters... Either bribed or otherwise incentivized to be pro Ripple. For those in the back, in case you are new: Ripple is the biggest lying fake ass ponzi vaporware in crypto and the only they have going for them is their marketing/PR team that works overtime spreading lies and half-truths about bank partnerships or "XRP will replace SWIFT" or whatever. Meanwhile CEO Garlichouse cashes out billions from the 50% of XRP supply they still hold.

PMmeuroneweirdtrick

SWIFT and FARTCOIN what a partnership

ThriceHawk

XRP is absolutely not replacing SWIFT. SWIFT is already well integrated into blockchain using Chainlink and going live with their 11,500 member institutions in November. The banks, like JP Morgan, are already testing tokenized US treasuries with their own digital network systems using projects like Chainlink and Ondo, and also building their own deposit tokens. Others, like Citi, Euroclear, ANZ, BNY Melon, BNP Paribas, UBS, the DTCC are all already testing through SWIFT as well.

FlappySocks

ChainLink (LINK). They have helped to write the bills that have just passed in Congress. They also partnered with SWIFT, giving 11,000 banks worldwide access to Blockchains. Streamr (DATA). Seriously undervalued. They have been around a long time, building out an incredible decentalised data network. They didn't get too many customers, so they built their own app, which just launched. StreamrTV. It's just a matter of time before that goes viral. Buy a small bag. Could be worth millions in time. Or nothing.

CryptoNerdSmacker

Unleash the AI: “XRP isn’t dead just because RLUSD is live — in fact, the rise of a regulated stablecoin reinforces XRP’s role as the liquidity and gas backbone that powers every transaction on XRPL. Every RLUSD swap, bridge, and payment burned or locks XRP via AMMs, boosts fees, and creates ongoing demand — unlike USDC on Algorand, this stablecoin growth directly drives XRP utility and scarcity. With live bank-grade rails (BNY, AMINA), EVM, SWIFT extensions, and looming ETFs, this isn’t hype — it’s a real institutional flywheel that Ethereum or Solana don’t have.” Solid points. Currently the breakdown of RLUSD’s transacting networks is 70/30 ETH/XRPL. RLUSD is slowly but surely gaining in market cap, with a few hundred million increase within the last 45 days. It is the most regulated stablecoin on the market at the moment. The only close second is USDC but it doesn’t have as many rails/interfaces to huge pools of liquidity like RLUSD will. RLUSD and stablecoins didn’t bury XRP, if anything they’ve breathed new life into it.