SWIFT

Ornery-Tax9469

Yes & I’m saying once again that smaller banks and remittance services will use Ripple’s software to omit paying fees to intermediary banks. Why would they use SWIFT, when the other option is much much cheaper. It costs a lot of money in fees to transfer money along the banking network. If a small bank let’s say in Sweden wants to send to another small bank in Paraguay. The initial bank will have to first transfer the money to a big Swedish bank which is connected globally via SWIFT. Then that bank sends it to perhaps an even bigger European bank, which then sends it to a big bank in Paraguay, which then sends it to the small bank in Paraguay. Every step of the way costs money in fees, which the initial small bank has to pay. Which the costumer ends up paying. With Ripple’s software you can send directly between the 2 small banks. Skipping all the middle-men & the fee to send money will be astronomically lower for the costumer. Do you understand now why Ripple is a decent competitor to SWIFT? Big banks will of course try to cling into SWIFT, because the high fees earn them a lot of money. But smaller banks and services will choose the cheaper option & big banks will sooner or later have to find competitive alternatives or subscribe to Ripple’s software.

Ornery-Tax9469

Why would small banks & remittance services continue to pay fat intermediary fees to big banks(who use SWIFT) if they can send it directly and save money?

Ornery-Tax9469

Smaller banks use Swift through bigger banks. They need the bigger banks to facilitate the transfers. With Ripple’s software they can omit these middle-men who take fat fees to let them use them as intermediaries. Therefore they’ll still take up a bite of SWIFT’s marketshare. This will in turn lower transfer fees across all banks if bigger banks wish to stay competitive. And this is a good thing because sending money abroad is expensive as of right now.

CaptainRelevant

You completely missed the point, accused me of being in a cult, while consistently being uncivil while I’m just having a conversation. Pot, meet Kettle. My point, again, is that this market is not a winner-take-all. If Visa’s pilot program with SWIFT gets finalized and adopted, great. It doesn’t freeze out competitors like Ripple that are years ahead of it with a different digital asset solution in active use (albeit small) in ASEAN countries. SWIFT is ubiquitous, yes, but so was Yahoo.

CaptainRelevant

Why would a small bank like a Credit Union ever have a pre-funded nostro/vostro account of any sort? They don’t now; they contract with larger banks that do, which results in higher fees. For example, the University of South Florida Credit Union isn’t going to pre-fund banks with fiat or stable coins all over the world. They’ll just outsource their international transfers to Chase Manhattan Bank that does. That adds fees. Ripplenet literally does interbank messaging. That was the basis this sub constantly cited for discounting any partnerships Ripple had signed with banks for the past few years. This sub constantly parroted “It’s just Ripplenet, it’s not using XRP!” Ripplenet did the messaging, XRP was for settlement. You seem to think I’m saying Ripplenet will completely take over SWIFT (which I’m not), and then countering that SWIFT (and Link) will so completely dominate the market that no one will use Ripplenet? Again, Coke didn’t go out of business when Pepsi came out. These are two slightly different solutions for two slightly different problems.

ArrivalOk3799

Does it have utility. They say it does. Do banks currently need xrp with xCurrenr to send payments across borders? Nope. So the incentive to use xRapid to be just a little quicker and a mini fraction cheaper isn't big enough for me to warrant sticking in this investment. Now I've done MY Due Diligence in this matter and came to my own conclusions. I've even spoken to a bank manager about it and they didn't think xrp made any sense either. If systems like Windows can be upgraded as many times as it was to be faster and efficient, then why could SWIFT be upgraded? Makes no sense. But they're trying to sell people on that SWIFT can only be upgraded via a cryptocurrency token called xrp. I don't buy that banks would complicate their banking process even more incorporating crypto into things. Doesn't add up. 

IcyDragonFire

> There, a medium of exchange would be better than SWIFT.    This problem has been solved for centuries; one simply exchanges both coins to their closes affiliated major first, then exchanges the majors. So RWF to USD and SEK to EUR.   Dexes are going to provide unprecedentedly-low fees for all pairs.   Ripple adds nothing, and its marketing is basically a scam.    > I’ve been hearing that since 2017.    Stables were extremely esoteric back then. Now they're taking over both tradfi and defi - they'll crush xrp to the ground.

coinfeeds-bot

tldr; Ripple CEO Brad Garlinghouse, speaking at the XRP APEX 2025 event, projected that XRP could capture 14% of SWIFT's cross-border payment volume within five years by focusing on liquidity rather than messaging infrastructure. Ripple aims to challenge traditional financial systems by leveraging crypto-based liquidity solutions. The event also highlighted the potential for rapid growth in tokenized assets, positioning XRP as a key player in transforming global finance. Rumors of Ripple-SWIFT collaboration have also surfaced. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Longjumping-Bonus723

Absolutely undervalued. From a partnership, utility and uniqueness standpoint it should be TOP5... I hold a few LINK and won't sell. SWIFT+HBAR+DTCC hello? :-D

OkCantaloupe4959

Another retarded take from an AI slop website. Hbar and XRP will never connect directly to SWIFT. Chainlink connects to SWIFT and connects to everything else. https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems Post some evidence to support your view that isn't another window licking retard on twitter.

Acrobatic-Curve5303

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Blarghnog

No. It’s literally built to be a swift replacement and central control is baked into its core. In fact most of the early excitement about it was based on it supplanting SWIFT. It’s about as far from BTC as you can get in crypto.  I’m open to being wrong, but that’s how I see it.

Longjumping-Bonus723

DTCC and SWIFT officially working with Chainlink is all you need to know. It's happening. About 20 projects like Quant and Hedera are heavily working with banks already. Easy getting rich here in the next few years =D 

SlingshotGator77

You can tell XRP's narrative of being the token banks will use to transfer money is B.S. just by paying attention to what banks are actually announcing. Someone is building a blockchain version of SWIFT (w/ all the major banks) and going live this November (2025). This same group (not XRP) is also working with the DTCC to build a tokenized stock exchange this year. XRP is saying they are going to do this stuff, but the groups they say they are working with aren't saying the same thing. If you want to make money, don't just listen to Garlinghouse's words - look at the actions. They are dumping and buying back tokens to prop up the price because they own the majority of tokens, and focusing on stablecoins - NOT the XRP token. The work required to build a safe and performant international banking system is immense and they aren't putting in the work as you can see from a simple Google search on GitHub commits, and the fact that there isn't one credible article from anyone other than XRP stating they are using XRP - because it's simply not happening. If you want to invest in the project that is going to be the lifeblood of the new banking system, it's Chainlink - not XRP. You'd be better off selling your XRP now and switching over. JP Morgan [https://finance.yahoo.com/news/jp-morgan-unit-joins-forces-190157708.html](https://finance.yahoo.com/news/jp-morgan-unit-joins-forces-190157708.html) SWIFT [https://blog.chain.link/chainlink-banking-capital-markets-announcements/](https://blog.chain.link/chainlink-banking-capital-markets-announcements/) DTCC [https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink](https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink) Crypto Summit [https://www.forbes.com/sites/vipinbharathan/2025/03/09/real-world-assets-chainlink-at-the-crypto-summit-2025/](https://www.forbes.com/sites/vipinbharathan/2025/03/09/real-world-assets-chainlink-at-the-crypto-summit-2025/) (In comparison, XRP's big hope at the crypto summit was that they would be included in a "U.S. Strategic Reserve" which obviously didn't happen - and is unlikely to ever happen to a crypto currency that is not considered "digital gold". Nobody wants a reserve of a speculative coin. Bitcoin is likely to be the only coin fit for this purpose.) Now, there will be XRP fanboys that won't like to hear any of that but when it comes to making money it's much more profitable to invest in projects that are actually doing the work with the actual entities involved. Get mad or make money - your choice.

Key-Barnacle-4185

>Your mum won't need to know that she is interacting with Ethereum... Exactly. It's the same as, when people transfer money overseas with a bank transfer, people don't know they interact with SWIFT. frontend won't be crypto, backend can.

Dazzling_Cash_6790

There could be actually a reason to use XRP - for cross-border payments between different currencies. RLUSD is tied to USD, so for cross-border payments it would be required to have liquidity pools in the destination currency. This is no different than the current SWIFT overall system (Bank A in USA holds a nostro account in Bank B in Europe, and has it pre-funded with X amount of EUR in order to be able to settle transactions between USD and EUR). Ripple wouldn't have an advantage going down this road, probably only the faster transaction times (can this justify the costly replacement of the existing, established system globally?). Other than that - everything remains the same if RLUSD is to be used. Fees would still be high, pools of money would need to be "parked" in nostro accounts of external banks (which means they cannot be used for profit making or investment).

Acrobatic-Curve5303

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Substantial_Owl9556

There are lot of ways that you can benefit from using crypto. For this case, the benefits you can take advantage of making a crypto transfer (Peer-to-Peer or P2P) is that its almost instant and could be free (depends on how you choose to make this P2P, you need to ask the vendor. If its between the same platform it is usally free everywhere, but if you do a crypto transfer to another wallet/brand it'll cost a bit depending on each vendor). So responding your first answer, it'll have lower transfer fees or could be free, and as for the bank service fees it definitely would be hugely better (lower fees and faster transactions since you are not using SWIFT). I would say that my objective is to make some money since I'm trying to increase my investment portfolio (it's not so big in money amounts, but diversification matters). Since you are saying that she only needs to transfer the funds, if you want to use crypto, just use USDT (again, this is a type of cryptocurrency tagged as "stablecoin" since it's the equivalent of USD in "the real world"). Try sending the email with all your requirements, don't forget to ask for fees and transaction times. If it is possible, share with me their reply to have fresh information!

MajesticExperience46

BTC, ETH, SOL, maybe HBAR and CHAINLINK. Bitcoin has shown to be a store of wealth and climbs steadily year over year. HBAR and CHAIN because they’re working on cross border payments/SWIFT system. ETH because of the influx of RWA tokenization (billions entering right more). And Solana for the gamble only. It’s super volatile but you can def make money from its moves. My own two cents though.

Cowboy_Auctioneer

Chainlink is a defi protocol and without it, the entire crypto industry is set back several years if not a decade with how many projects rely on it. On top of that, SWIFT is inserting it into its own infrastructure along with the DTCC. The market hasn’t moved on, it’s just distracted. Also I think a lot of people underestimate how big a hit FTX was to retail investors. Hence why Bitcoin has been doing great as apposed to alts

Zestyclose-Shock2498

When considering the best cryptocurrency to invest in for 2025, **XRP** deserves renewed attention—especially after a recent $300 million vote of confidence from Nasdaq-listed AI firm **Webus International**. Webus, based in China and specializing in artificial intelligence, is allocating up to **$300 million in XRP reserves** to modernize cross-border payments. Their plan involves using XRP to power on-chain loyalty tokens, digital wallets, and real-time international B2B transactions—particularly for Chinese companies facing barriers in the global financial system. This move highlights XRP’s core strength: it offers **speed, low cost, and global accessibility**, especially in corridors where traditional banking solutions fall short. By leveraging **RippleNet’s liquidity services**, Webus will support payment corridors that have been traditionally underserved by SWIFT-based systems. But there’s more to the story. XRP is not designed for smart contracts or modular infrastructure. That’s why many forward-looking enterprises are pairing transactional cryptocurrencies with **scalable Layer-2 solutions**—and one standout in this category is **StratoVM**. StratoVM is a Bitcoin-native, EVM-compatible Layer-2 protocol focused on high-performance blockchain infrastructure. With lightning-fast finality, smart contract support, and seamless integration with AI applications, StratoVM provides the flexible architecture needed for companies building real-world crypto services. So, while **XRP** might be your best bet for investing in global remittance and payments infrastructure, **StratoVM** is an equally compelling choice if you believe the future lies in **AI-integrated, scalable blockchain solutions**. Both tokens represent different layers of Web3 evolution—XRP handles the money movement, and StratoVM powers the logic and scalability behind next-gen blockchain applications. If you're looking for exposure to the infrastructure of tomorrow’s decentralized economy, XRP and StratoVM could be two of the most strategic assets heading into 2025. Read the full analysis here: [https://www.binance.com/en/square/post/24932784383369](https://www.binance.com/en/square/post/24932784383369) \- Worth the read

SnooCapers9876

The follow conditions 1. Tariffs all gone 2. XRP vs SEC case totally cleared - most likely in June XRP APEX in Singapore 3. ISO20022 14 July 2025 4. Full banks implementation of ISO20022 probably in Nov 2025 5. XRPL based Stable Coins adoptions goes up, e.g. RLUSD, XSGD, USDB 6. Market improved after USA recovers from supply chain issues By end next year….other than China & its Digital Renmibi (e-RMB) there will be many other XRPL based stable coins (3-5 sec) for each country freeing up banks more foreign funds previously reserved for cross border payment under old SWIFT messaging system (3-5days) Small amount of XRP tokens (finite supply) will be burnt permanently for each XRPL transaction Over time XRP can increase in prices once adoption goes higher to improve liquidity per transaction XRP uses a fraction of the energy required per transaction (compared to Bitcoin) & there will be no more minting of XRP token The energy required to mint BTC token exponentially goes up over time causing wastage of energy to produce BTC instead of using on the population. BTC slow transaction makes it harder to do point of sales payment compared to other crypto XRP are well suited for point of sale transactions using crypto wallet apps when banks take over custody of crypto like exchanges after OCC allowed banks to behave like exchanges https://www.cointribune.com/en/occ-clears-us-banks-to-buy-sell-and-custody-crypto-with-third-party-support/ That means one final nail in the coffin- internet of value for XRP = online payment using XRPL based stable coins or XRP directly is possible in a few years time

dompatsos

I work in finance and i know that SWIFT and DTCC handle trillions of dollars a day. That doesn’t translate to trillions in market cap though - SWIFT is hard to value due to its structure and how it operates but DTCC for example has a market cap of around 5 billion…my point is volume does not translate to ‘value’. Claiming that Chainlink can reach a 10T!!! market cap is just spreading misinformation.

JustStopppingBye

>Do... do you think I am making it up? The articles claiming theyre working with DTCC and swift are making it up because ITS NOT AN OFFICIAL SOURCE FROM SWIFT OR DTCC. THIS IS AN OFFICIAL DTCC ANNOUNCEMENT [https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink](https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink) THIS IS AN OFFICIAL SWIFT ANNOUNCEMENT [https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems](https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems)

Status-Nose-7173

So HBAR is integrated with Chainlink, who is working with SWIFT? Seems everyone here agrees, not sure where your confusion is coming from buddy.

dak4f2

Tech Eats The Fed The plan is obvious. Trump and his Big Tech backers are here to take over the global financial system from commercial banks to central banks to SWIFT. The plan is to slowly but surely make the existing system irrelevant, usurping government control for their own. In 2025, the projected net interest income of the banking sector was US$632.11 billion. That will soon belong to the big tech industry. A parallel monetary system under private dynastic control is being set up, with Donald Trump at the helm, with the assistance of the American Congress. Congress is paving the way for Big Tech to print money and create their own global currencies by approving the GENIUS Act. This is all done under the tenuous and debated suggestion that stablecoins pegged to USD will reinforce the dollar. However, when these private monetary networks are established and entrenched, they will not only threaten the banking sector and the dollar but also threaten the political stability of states as a whole. After pushing back against the bill, 16 Democratic Senators flipped to help the bill pass cloture. The votes came from: Kirsten Gillibrand (D-NY), who co-sponsored the bill, Adam Schiff (D-CA), Angela Alsobrooks (D-MD), Mark Warner (D-VA), Ruben Gallego (D-AZ), John Fetterman (D-PA), Cory Booker (D-NJ), Catherine Cortez Masto (D-NV), Ben Ray Luján (D-NM), Elissa Slotkin (D-MI), Maggie Hassan (D-NH), Martin Heinrich (D-NM), Jon Ossoff (D-GA), Alex Padilla (D-CA), Jacky Rosen (D-NV), and Lisa Blunt Rochester (D-DE). While these Senators should be primaried for their complicity, there is some speculation as to why they flipped their votes. It has been reported that the chief of staff of Senator Gillibrand, the bills co-sponsor, invoked her role as chair of the campaign arm of the Democratic party going into 2026. This was done to suggest that campaign support could be tacitly linked to how senators voted on the bill. Gillibrand has long been an ally to the crypto industry, receiving over $217,000 in campaign support from Coinbase, Ripple, Uniswap Labs, Andreessen Horowitz, and dYdX Trading.2 Under our noses, big tech has purchased political access and used that political access to ascertain financial dominance. Slowly but surely, regulation has been undone, oversight has been dismantled, and regulation has been rolled back. All of the Ethics oversight bodies, from the SEC to the Office of Government Ethics, have been gutted, meaning there is no one to stop this. The independence of the Federal Reserve via Wilcox v Trump, citing Humphreys Executor v the United States) is being challenged3, and Trump has noted that conflict of interest laws do not apply to him and that he has broad immunity for official actions he takes as President.

CunningStunt_1

Chainlink. Already working with; - [SWIFT](https://www.swift.com/news-events/press-releases/swift-unlocks-potential-tokenisation-successful-blockchain-experiments). - [UBS](https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems) - [JP Morgan](https://fortune.com/crypto/2025/05/14/jpmorgan-chase-kinexys-digital-payments-ondo-chainlink/) - [DTCC](https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink) - [Euroclear](https://www.finextra.com/pressarticle/102833/eurocler-and-swift-join-chainlink-ai-and-blockchain-initiative-for-corporate-actions). Every bank will run it's own chain. This has been obvious for several years now.

JustStopppingBye

>There are 10 competitors now who all provide price feeds. And only price feeds lol Would you rather use the [wormhole](https://www.reuters.com/technology/crypto-network-wormhole-hit-with-possible-320-mln-hack-2022-02-03//Pyth) and [pyth](https://crypto.news/cetus-protocol-hack-sui-exploit-full-breakdown/set) up? lolT heyre also slowly losing market share. Pyth just lost a huge chunk now that chainlink CCIP went live on Solana. Chainlink controls 68% of DEFI and everyday they absorb more. [https://defillama.com/oracles](https://defillama.com/oracles) >Chainlink is basically pivoting out of being an oracle and is now focused on CCIP Wow thats a new argument ive never seen before. But yes becoming a middleware interoperability layer for the entire Web3 and enterprise blockchain ecosystem is a pivot LMAO!!! >CRE (which is interesting, but not really related to their core design. JP Morgan and DTCC finds it pretty neat. >I'm just objectively saying that they don't have revenue I think you mean profits. >I hope they do finalize their POC with SWIFT and actually build something cool. I think I provided enough evidence to prove this will happen. A [Swift.com](http://Swift.com) announcement followed up by a live interview of a Swift rep saying its going live.

theKtrain

Chainlink exists because it was the first good option and solved a problem. There are 10 competitors now who all provide price feeds. Chainlink is basically pivoting out of being an oracle and is now focused on CCIP (which I think has made $1.5m total?) and CRE (which is interesting, but not really related to their core design. You don't need to use an oracle to have an opinion, but it helps to get a wider understanding of the tech. I'm not worried about anyone, I'm just objectively saying that they don't have revenue, which I think you accept now. It's not really a statement about CL's value proposition in general. I hope they do finalize their POC with SWIFT and actually build something cool. I'm not the hater you may think!

JustStopppingBye

[https://youtu.be/Vce745hO4jg?si=UKwthmWDOy\_ucGl7&t=626](https://youtu.be/Vce745hO4jg?si=UKwthmWDOy_ucGl7&t=626) >As far as us hearing things multiple times, do you know how many times I’ve heard about their SWIFT partnership? Literally constantly since 2017, Only successful POCs with the largest bank messaging system while continuing to make [developments ](https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems)and the [announcement of from swift saying its going live end of 2025 lol ](https://youtu.be/Vce745hO4jg?si=UKwthmWDOy_ucGl7&t=626) >yet it’s produced nothing. Maybe it will, but the point im making is that it 100% hasn’t yet Coming from the guy who thinks Swift infrastructure changes can be rolled out in a few years of testing and development. To say nothing has happened is honestly laughable. If that’s the standard you’re applying to public blockchain development, then everything outside of Chainlink must be complete garbage. There’s a reason they were involved with the Genius Bill, their connections and influence in this space are real, whether people like you want to admit it or not.

theKtrain

You have no idea how many times I’ve heard a fanboy spout out unbacked positive claims about a project simply because they invested in it. Have you ever even used an oracle? I sincerely doubt it. As far as us hearing things multiple times, do you know how many times I’ve heard about their SWIFT partnership? Literally constantly since 2017, yet it’s produced nothing. Maybe it will, but the point im making is that it 100% hasn’t yet and Chainlink literally does not make money. If you disagree, feel free to analyze their revenue sources and pull some numbers to refute it. I’d love to see what numbers you’re looking at that give you the confidence to become so opinionated. Looking forward to this.

theKtrain

Buddy, they’ve been talking SWIFT since ICO in 2017. Regardless of if any of those integrations actually go through, they are not making any money. They have lost money for the last 8 years and have dumped tokens on their community to sustain. They don’t ’control’ defi. They offer an easily replicated service and have pivoted to CCIP (which also doesn’t make money).

_etherium

Where do chainlink oracles get their RWA data from? Oh wait, Bloomberg, NYSE, NASDAQ, etc. Everyone knows blockchains are all about disintermediation so as the real trading and settlement systems get closer to production ready, the participants will just cut out useless middlemen and pointless weak money tokens like LINK. These experiments with SWIFT, JPM, and DTCC are just knowledge transfer. Why recreate the old system when blockchains render them obsolete? I used to work with all 3 during their initial blockchain experiments and it's clear that they recognize this.

CaptainRelevant

>So no, I’m not saying XRP must become a CBDC Literally your first sentence in your post: “XRP ain’t getting adopted globally unless it becomes a CBDC” with a long post then explaining why it won’t become a CBDC. Some other odd points: >needs to give full access to the government Does Western Union, SWIFT, Zelle, Venmo, PayPal need to give full access to the government? Why would Ripplenet need to? >doesn’t have an ecosystem What is Ripplenet? >if you think price is going to go up just because people are buying it, your lying to yourself. Every single coin’s price in crypto right now is based simply on people buying it as a speculative bet. There is not one coin with demand from utility that is driving price. Everybody is at the roulette table hoping to bet on a coin that will one day have real utility that drives its price up. >calling out the actual use case Ripple built for it But you’ve ignored the actual institutions that are using it? Here’s some links to real banks and other institutions announcing they are using XRP (not just Ripple). This will in no way affect price because it’s a drop in the bucket. But it’s a start, and that’s what XRP buyers are betting on: [SBI Holdings and Ripple, are pleased to announce the launch of an international money transfer service using the crypto asset XRP for Bank Account Remittance Service to the Philippines, Vietnam and Indonesia from this month](https://www.remit.co.jp/en/kaigaisoukin/information/release20230906/?utm_source=chatgpt.com) [Wellgistics Health Secures $50M Credit Facility and Launches XRP-Powered Payment Initiative](https://www.globenewswire.com/news-release/2025/05/08/3077096/0/en/Wellgistics-Health-Secures-50M-Credit-Facility-and-Launches-XRP-Powered-Payment-Initiative.html) [By leveraging XRP as a bridge currency, SBI Remit is able to diminish the cost of pre-funding destination accounts. In addition, this has excellent scalability as money can be easily transferred to Ripple’s partners around the world. We believe that this will lead to strengthening our competitiveness in the international money transfer business.](https://cryptorank.io/news/feed/bf121-japans-sbi-confirms-xrp-use-for-international-remittance) No one that’s rational is expecting triple digits. $7-8 is realistic. I bought at $0.17 and am pretty happy so far.

biba8163

> backed by ex Google CEO Eric Schmidt who was an early investor in the company Eric Schmidt can't save shitcoins > *"Former Google CEO Eric Schmidt Joins Chainlink Labs as a Strategic Advisor"* (2021, LINK $20) > LINK doing the crab walk for most of the year despite having more utility than just about everything else in crypto is a head scratcher for me. It'll be nice when I'm only paying long-term cap gains on it down the road though. > Buy fundamentals, not price. Everyone is sleeping on LINK. Somehow no one even knows about Cross-Chain Interoperability Protocol (CCIP) > I wonder when the price suppression is realized by the wider market. In august we got SWIFT, Google, Amazon, Swisscom and so many other partnerships throughout this year that I honestly can't even remember all of them. 1000 project integrations, CCIP dropping this month and staking soon. > Buy fundamentals, not price. Everyone is sleeping on LINK > LINK is the definition of a sleeping giant https://np.reddit.com/r/CryptoCurrency/comments/rb2p2q/former_google_ceo_eric_schmidt_joins_chainlink/

royedrage

Okay. So the base case is demand and supply just like any other commodity. If you limit the supply the price goes up. And if the demand goes up and the supply isn't there. Price goes up. First, I dont think anyone should believe that Ripple will ever release the entire supply of 100B. Ripple will always have controlling shares. But what that number is I dont have a clue. But probably somewhere around 20% - 40% is a good guess. Now each month Ripple releases 1 Billion tokens and buys back the rest from the previous month and puts it at the end of its escrow to release much later. This ensures that there is plenty of supply into the market. Therefore we are coming to a point where Ripple will slow down if not stop the release of their escrow. Especially, if the SEC, and Judge Torres allow Ripple to sell their escrow tokens outside the market. Brad Garlinghouse even hinted at it in a Fox News interview. If you study these monthly transactions. Every month except Nov 24 for the last year approximately 200 to 300 million tokens were purchased by investors. We know this by the escrow movements. What happened in Nov 24? 470 Million were purchased or approximate half of the Ripple escrow release. This move caused the price to go from .50 to 2.70. So a 47% reduction in market supply brought the price up to 5x itself. Now. take that same thought and think about what happens if/when; 1.)Banks can officially adopt using stable coins 2.)Tokenization of assets and derivatives can be moved on chain 3.) Ripple limits escrow release. 4.)Competitors such as Tether, who are known to not comply with audits are banned with regulations. 5.)Governments start adding XRP to their strategic reserve. 6.)ETFs approved [at least 12] will help drive purchases. 7.) Fed Now ISO2022 go Live in July 2025 8.) SWIFT ISO2022 go live in Nov 2025 SOooo....Those YouTube folks that say it will go to 100X their argument is all that happens at the same time. then you might have a few months of a perfect storm where the demand doesn't match the supply. Do I think that storm will happen- no. I think it plays out over the course of 5 to 10 years and then ya you might see a $100 per token. But why do I Hodl today? What if I am wrong. FOMO is real. FOMO in XRP is probably higher than a BTC, SOL, or ETH.

CunningStunt_1

>So 80% of Japanese banks won’t be using XRP for their transactions starting this year? I've been reading about it for years now. I just ignore it now as the usual XRP never ending shilling. https://www.cnbc.com/2018/03/07/ripple-develops-blockchain-payment-app-with-japanese-bank-consortium.html >coins being used for their utility. And XRP is in fact being used I'm not even sure it is to the extent you think it is. The number of wallets transacting on the ledger is tiny when compared to Eth, sol, Tron. https://xrpscan.com/metrics >Settlement of funds in 1-3 seconds rather than 3 business days through Swift? Swift messages move at the speed of the internet. What is slow is the all the checks; KYC, fraud, money laundering, and 3rd world banks who have silly manual processes. Automating that is the cash cow. SWIFT is owned and ran by the banks that use it. Replacing it is wishful thinking.

CunningStunt_1

Chainlink. It will be the rails for Tradfi to enter Crypto. No one else has worked with; - [SWIFT](https://www.swift.com/news-events/press-releases/swift-unlocks-potential-tokenisation-successful-blockchain-experiments) - [DTCC](https://www.dtcc.com/dtcc-connection/articles/2024/may/16/smart-nav-pilot-report-bringing-trusted-data-to-the-blockchain-ecosystem) -[Euroclear and six others](https://www.finextra.com/pressarticle/102833/eurocler-and-swift-join-chainlink-ai-and-blockchain-initiative-for-corporate-actions) -[Fidelity](https://www.sygnum.com/news/sygnum-and-fidelity-international-partner-with-chainlink-to-provide-fund-nav-data-onchain/) If you don't know who the above are, google it. Have a look on wikipedia how much money they process.

AnyWaltzWillDo

Chainlink has already worked with SWIFT for testing and the tests were successful. They plan on doing live tests later this year. If SWIFT is talking about integration blockchain/crypto they are talking about LINK. Ripple's big fight for adoption is going to end up being against SWIFT.

anbnzb

Isn't XRP the front runner for the replacement of the SWIFT system ? You know, the backbone of international finance communications. Won't XRP/ Ripplenet blockchain reduce the transfer to less than a second and cost almost nothing ? If so, I would say that taking a chance on a crypto that is $2.40 for the possibility that it could be part of a new world bank messaging system using blockchain is a darn good bet.

OpenRole

Yup. Currently DCA'ing into BTC and ETH. Currently painful because of the high cost of the coins, but next market crash could be tomorrow or 10 years away. I have BTC, ETH, Gold, Government Bonds and ETFs as the foundation of my investment portfolio. Then I have a couple individual stock picks from South Africa since I live here and no the market more intimately. A bit of gambling on SA, but since foreign investors are scared the returns here can be pretty amazing. Lots of undervalued companies. Also, it's because I live in Africa that I'm so bullish on crypto. People in the West aren't aware of how popular crypto is for transactions. It's cheaper and faster than SWIFT

AnyWaltzWillDo

LINK mainly because it has been partnering with SWIFT and they are doing live tests later this year. My next closest would be XRP but all of XRP's partnership announcements are just paper, insubstantial things. Most of LINK's are as well but the SWIFT one is legit. That being said, spot XRP etfs might cause a nice boost so /shrug. In the real world I just hold both.

Allegorical_Elegy

I strongly advise against swapping your XRP for Ethereum. In my opinion, only two cryptocurrencies are truly worth investing in: Bitcoin (BTC) and XRP. I am confident these are the only guaranteed safe investments in the crypto space. Here's why: Often referred to as "digital gold", BTC is the ultimate store of value and stands as the most secure and decentralized digital asset ever created. With a fixed supply of 21 million coins, it's a powerful hedge against inflation and currency devaluation. BTC has gained widespread institutional adoption, and even countries are now holding significant amounts. Looking ahead, BTC has the potential to deliver substantial returns for investors as adoption grows and its role as a digital store of value strengthens. If it were to increase by 350% from its current price of $103,575 as of 5/11/25, it would reach $465k. A 1500% increase would propel it to over $1.5m. Some experts predict BTC could reach $200k by 2026, with even more optimistic forecasts suggesting prices as high as $3.8 million in the long term. XRP, a digital asset with real-world utility, is not just another cryptocurrency—it's the future of global finance. Designed for fast and cost-effective cross-border payments, XRP has the potential to revolutionize the global financial system. It also has ISO 20022 certification, partnerships with numerous financial institutions, and is poised to replace the traditional SWIFT system. Recent developments have further solidified XRP's standing. The resolution of its legal battle with the SEC has removed significant uncertainty, and substantial purchases by major investors indicate growing confidence. If XRP were to experience a 350% increase from its price of $2.35 as of 5/11/25, it would reach approximately $10.50. A 1500% surge would elevate it to about $38. Standard Chartered predicts XRP could hit $8.00 (~240% gain) by 2026, highlighting its strong growth potential. XRP has consistently been the #1 most purchased asset on platforms like Uphold, accounting for over 64% of buying activity, surpassing other major cryptocurrencies. This sustained interest underscores the market's confidence in XRP's future. In my opinion, BTC and XRP are the only cryptocurrencies worth investing in. Their unique positions in the market, combined with strong fundamentals and growth potential, make them stand out. Diversifying into Ethereum might seem appealing, but I believe focusing on BTC and XRP is a significantly more secure and promising investment strategy.

infernorun

LINK has partnerships with DTCC, SWIFT, and many others. Does GRT?

skeezeeE

You do understand that it is a replacement for payments via SWIFT. Stable coins don’t fix the need for NOSTRO/VOSTRO accounts for currency pairs that is solved with XRPL and facilitated with XRP. Perhaps a deeper understanding of the banking/payments world would help you realize that no bank will operate a technology when the regulatory uncertainty still exists - which is still the case. Once the SEC case is officially declared dead by the actual SEC in an official statement will adoption occur beyond retail. Ripples purchase of the Hedge Fund was to accelerate adoption by creating FOMO FOR THE INDUSTRY. Other players cannot be seen as inferior when payments industry as a whole is entirely commoditized. This fund will now have a competitive advantage that cannot last long - or their competitors will lose customers to a better product. When everyone is on SWIFT, the only advantage is price bundling with other services. Pretty straight forward brah.

meteoraln

> If that is the case, what type of "settlements" are you talking about? Counterparty risk. Like, the failure of the bank that you keep your fiat in, and those same dynamics between inter bank transfers. Maybe a bounced check is a better analogy. Someone appeared to have paid you, but you dont get the money. This bouncing happens between banks too. > Where did you hear or learn that it takes "weeks" to do an international transaction I think this is a worst case scenario, when the transfer has to go through additional intermediary banks and or central banks. The best case scenario through SWIFT is faster. This is related to the counterparty risk, where in a long chain of banks needing to pass a payment from one to the next, each bank wants to make sure the previous one did not write a bad check. Or a central bank has restrictions on transfers, and decides to hold the payment for further examination, etc. > Again, the mining companies have nothing to do with the necessary supply/demand dynamic that affects price. As I understand it, the cost of equipment and energy cost to mine a bitcoin one single bitcoin creates a floor price. If it costs $20K for an ASIC and $15K for electricity to mine one bitcoin, you'd be better buying the bitcoin directly if the prices was less than $35K. These numbers were accurate about 5 years ago, when I attempted a calculation based on the hash rate at that time. More miners and newer equipment means higher hash rate, resulting in a higher energy cost per coin mined, resulting in a higher floor price. This self correcting system is working as designed, inviting more miners when btc far exceeds the floor price, and miners turning off equipment if btc falls below the floor price. > Saying that people wouldn't trust a government digital coin is not believable since they fully trust the Fiat. You are correct, I intended to mean that a government digital coin is no more trustworthy than its fiat counterpart. > At this point, crypto and #BTC have no "use" case that has been demonstrated with actual proof because its still not used for anything after 20 years of existence. So I also believed this until I recently learned that people in first world countries held bitcoin as investments or novelties, while people in 3rd world countries were the early adopters using it as designed. Paper money was traded for btc on their phones. Unlike today where most people have a bank account connected to a bank/exchange and often do not hold their own private keys. > There is no way to value it As mentioned above, the cost to mine a bitcoin will at least create a range of prices that a miners would make a market in. (buy if low, mine if high) > isn't backed by any assets or anything else This one is tricky and is why I didnt like bitcoin for so long. It's arguably backed by time and energy, as in it cannot be recreated without time and energy. Which is why forking a new coin does not actually replicate the original. Compared to things that dont generate cash flow which are not backed by time and energy, most can agree that bitcoin likely has a higher value than those things. Including a new coin clone which is backed with no time and energy. > The supply continues to increase yet there is nothing to drive demand. I think this is also a tricy one. The analogy is the "$20 dollar bill auction experiment", where the 2nd highest bidder has also has to pay their bid, but doesn't receive the prize. It has to do with how a sunk cost creates the demand. For example, a miner who has already spent $35K to mine a bitcoin isnt going to think too hard about paying $15K for a second one.

Simpleton_24

You said you were looking for wrenches: 1. When you say it will no longer be used to buy coffee (which it isn't currently), I think you are saying that people are giving up on it being a medium of exchange (which is one myth that people use to try to give it value). I agree, it won't ever become a popular MOE. If that is the case, what type of "settlements" are you talking about? Those would still be transactions where #BTC would need to be accepted by both parties and both countries (as you are using different "reserve" systems in your example) as a MOE. 2. Where did you hear or learn that it takes "weeks" to do an international transaction and a simple currency conversion? Take a look at the SWIFT system on You Tube or Perplexity (or another AI tool of your choosing) and you will see that the statement is also a myth Neither 1 nor 2 are reasons for #BTC to go up in price because they do not increase demand or reduce supply. 3. Again, the mining companies have nothing to do with the necessary supply/demand dynamic that affects price. I'm very curious about the source for this information. It would be something that I'd like to learn about as it is new information to me and contradicts what I have seen and read. It would be appreciated. 4. Saying that people wouldn't trust a government digital coin is not believable since they fully trust the Fiat. I may be misunderstanding this one. 5. I agree that it is likely that #BTC will continue to lead until the entire industry dissolves however, this still does not demonstrate any information that affects the supply/demand dynamic. At this point, crypto and #BTC have no "use" case that has been demonstrated with actual proof because its still not used for anything after 20 years of existence. There is no way to value it because it doesn't generate cash flow and isn't backed by any assets or anything else. The supply continues to increase yet there is nothing to drive demand. What you will see in response to my post are replies that talk about what "may" or "could" happen in the future which is based on false faith and belief in something that has zero value. I welcome any factual responses and will accept the majority which will be based on hope not facts.

Lexsteel11

CBDCs are inevitable. Once china achieves this efficiency and creates frictionless automated payment systems (needed if robots/autonomy explodes like it seems it will) that eliminate the 1.5% & $0.15 credit card fees, ACH/SWIFT systems, enabling airdrops for government welfare programs & emergency relief response, etc. it will be an economic boom that the US will not be able to ignore. We will lose privacy but I don’t see it not going in this direction

ThriceHawk

The constant fake posts about it really turned me off. No other project has as much fake news on social media and such high market cap with so few legitimate partnerships. LINK has waaaay more real integrations/partnerships, for example, and you never see fake posts about it online with thousands of likes. But you'll constantly see "XRP to acquire SWIFT!!!" (Which is literally impossible and nowhere close to being real), and it'll have 10,000 likes. Then you're attacked by the community when you call it out. The community just eggs it on instead of calling it out themselves.

klever_nixon

convert USDT to fiat directly on Binance via P2P or bank transfer (SEPA/SWIFT), then withdraw to your verified bank account. For large sums, use Binance VIP OTC or contact their institutional desk (min. $200K, no max)

Dettol-tasting-menu

As the meme goes, “why not both?” It CAN act as a currency and it is an excellent one when it comes to transmission. All the buzzwords - permissionless, censorship resistant etc. I do use it as a currency when the other end accepts it. It’s magical - I send my money half the world away in a few minutes, no wire, no credit card charge, no banking middle men asking why / what for, no “3-5 business days”. Now I’m not saying it’s widely adopted where you can buy anything you want with bitcoin, but the list is constantly increasing. Lightning has also made micropayments possible - something no amount of bank and SWIFT can even try to imitate. In Nostr or Fountain people *stream* money to each other - a fraction of a cent per second. Imagine that. So it’s not true that it’s totally not a currency, just that today most people would treat bitcoin as an asset first and foremost because it has been going up in value exponentially. Surely you’ve heard of the story of Laszlo Hanyecz who paid 10,000 Bitcoin for two pizzas. He’s a hero here as he kicked started the possibility of real life transactions using bitcoin, but at the same time if you have fiat on hand that’s constantly depreciating, any logical person would spend the bad money first, while hoarding the good money (Graham’s Law). It’s just human nature and it’s not Bitcoiners trying to do any bait and switch in narratives. It does contain characteristics of both a currency and an investment, and there is no real equivalence in our traditional world.

lurninandlurkin

Ask if they have ever sent money internationally using SWIFT.

Illustrious_Web_3418

Chainlink is a decentralized oracle network that solves a critical problem for smart contracts: they can’t access real-world data on their own. Smart contracts are like vending machines—programmed to act when conditions are met—but without a way to know things like stock prices, weather, or sports results, their use is limited. Chainlink bridges this gap by securely feeding off-chain data (e.g., market prices, IoT events, or bank transactions) to blockchains, enabling smart contracts to power real-world applications. Here’s why I think Chainlink is not just a buzzword but actually set to be widely adopted and thrive: It’s Already Powering Major Industries: Chainlink isn’t theoretical—it’s live and critical to DeFi, NFTs, and beyond. For example, DeFi protocols like Aave and Synthetix use Chainlink’s Price Feeds to secure billions in value, ensuring accurate crypto prices for lending or trading. Outside crypto, SWIFT, the global banking network connecting 11,000+ institutions, uses Chainlink for corporate actions data, like dividend payments. Projects like Backed use Chainlink Proof of Reserve to verify tokenized assets are fully collateralized, building trust in real-world asset (RWA) tokenization. These integrations show Chainlink’s tech is battle-tested and trusted by both crypto natives and traditional finance. Smart Contracts Are the Future, and Chainlink Is Essential: Smart contracts are growing fast—think automated insurance payouts, supply chain tracking, or tokenized bonds. McKinsey estimates blockchain-based smart contracts could save businesses $50B annually by 2030 through efficiency gains. But smart contracts are useless without reliable data. Chainlink’s decentralized oracles provide tamper-proof data from multiple sources, unlike centralized oracles that risk single points of failure. For instance, Chainlink’s Verifiable Random Function (VRF) ensures fair NFT minting or gaming outcomes, used by projects like Aavegotchi. As smart contracts become a global standard, Chainlink’s role as the “data backbone” makes it indispensable. Institutional and Cross-Chain Adoption Is Accelerating: Chainlink’s Cross-Chain Interoperability Protocol (CCIP) is a game-changer, enabling secure data and asset transfers across blockchains like Ethereum, Solana, and Avalanche. This is huge as the blockchain space moves toward interoperability. Major players like Fidelity and Sygnum use Chainlink for net asset value (NAV) data in tokenized funds, while Elixir’s $180M+ TVL protocol uses CCIP for cross-chain deUSD transfers. The Monetary Authority of Singapore’s Project Guardian, involving global banks, leverages Chainlink for tokenized asset use cases. With 18 integrations across 20 chains recently, Chainlink’s network effect is growing, locking in adoption as more projects build on its infrastructure. Economic Incentives and Security Drive Trust: Chainlink’s model incentivizes node operators to provide accurate data by staking LINK tokens, which they lose if they act dishonestly. This cryptoeconomic security, combined with decentralized data aggregation from multiple sources, makes Chainlink more reliable than competitors. Its $8.5T+ in transaction value enabled (TVE) and 1,000+ oracle networks show scale and reliability. Unlike niche oracle solutions, Chainlink’s full-stack platform (data feeds, VRF, CCIP, automation) makes it a one-stop shop, reducing fragmentation and boosting adoption. It Solves Real Problems for Enterprises: Beyond crypto, Chainlink enables enterprises to integrate blockchain without holding crypto directly. For example, Deutsche Telekom runs Chainlink nodes, and Google Cloud integrates with Chainlink for hybrid cloud solutions. Chainlink’s ability to format APIs for smart contracts means any business with data—think weather agencies, logistics firms, or banks—can plug into blockchains. This lowers barriers to entry, making Chainlink a gateway for mainstream blockchain adoption. Why It’ll Flourish: The global smart contract market is projected to grow at a 32% CAGR through 2030, driven by DeFi, RWAs, and enterprise use. Chainlink’s first-mover advantage, extensive partnerships (1,000+ projects), and blockchain-agnostic design position it as the default oracle layer. Competitors exist, but none match Chainlink’s scale, security, or ecosystem. Risks like price volatility or regulatory hurdles remain, but its utility and adoption are hard to ignore. If you’re betting on smart contracts reshaping finance, supply chains, or gaming, Chainlink’s a core piece of that puzzle

Miserable_Twist1

Bold of you to assume XRP would be involved at all. My guess, the only involvement of XRP in this project is to dump it on bag holders to fund their core business. Building out their own SWIFT clone and USD stable coin.

coinfeeds-bot

tldr; Eric Trump, executive vice president of the Trump Organization, warned global banks that they must adopt cryptocurrency or face extinction within 10 years. He criticized the current financial system as slow, expensive, and favoring the ultra-wealthy, pushing him toward crypto. Trump highlighted blockchain's advantages over traditional systems like SWIFT, which he called a disaster. His comments align with his previous predictions about Bitcoin's growth and the necessity for governments and institutions to embrace crypto. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

CunningStunt_1

Wow. A community submitted article, on a pay per post crypto site. What a reliable source. Let's verify that with SWIFT... https://www.swift.com/news-events/news/swift-explores-blockchain-interoperability-remove-friction-tokenised-asset-settlement. https://www.swift.com/news-events/press-releases/swift-ubs-asset-management-and-chainlink-successfully-complete-innovative-pilot-bridge-tokenized-assets-existing-payment-systems SWIFT says you are lying and spreading misinformation. Shame on you.

CunningStunt_1

Why don't you buy the coin with the actual banking partnerships? XRP/XDC and to a certain extent hbar are constantly talking about SWIFT, DTCC, general large scale banking integration. When it is chainlink doing all of those things.

Ok_Cupcake8900

Mainstream adoption will be organisations like SWIFT integrating blockchain seamlessly into their network. People will use blockchain chain tech without the ven knowing it or having to go through these manual transactions

CunningStunt_1

>Wrong again. CCIP users are the bridging protocols. But that vertical has much more competition, from LayerZero to other intent-based protocols. VRF is again used by apps to generate random outputs. VRF used by individual players within gaming environments. https://pentagon.games/ https://ccip.chain.link/ Operates wallet to wallet on the majority of txs. Only differs when it has taken over things like ronin bridge or whatever. >WTF are you talking about? Proof of reserves is done at the off-chain level, either via some Merkle tree proof or a third party audit. https://chain.link/education-hub/proof-of-reserves The result of proof of reserves is pushed to protocols using the stables. Risk management. Read the stablecoin act. >They want closer integration of value capture across their portfolio. For example, if they own a protocol issuing real estate RWA, they want to make sure the same protocol is using an oracle they own So you agree, the value capture is not on the L1. It is data and protocol level? >The one who owns downstream and upstream supply chains has the market power to decide who owns the middle. If they own the asset issuing base and the customer relationship, then they have the market power to decide on the oracle. >Link doesn't issue assets. Those who issue assets will favor the oracle they own and use it instead. Link has no moat here. You can tokenize assets using Chainlink. Bakes in their cross-chain token standard. Traps you in the chainlink standard, on whatever chain/s you want. https://tokenmanager.chain.link/ Tokenmanager is a beta for CRE(chainlink runtime environment). Which will be pushed out by SWIFT. I suspect it is being used by DTCC based on their previous work together on [NAV data](https://www.dtcc.com/dtcc-connection/articles/2024/may/16/smart-nav-pilot-report-bringing-trusted-data-to-the-blockchain-ecosystem). >The data is pretty strong in showing where blockchain "yield" happens. It is at the SoV value. You all trying to gaslight ppl into overvaluing basic TradFi stuff at higher premium without justification. The primary attraction is crypto native assets. Off chain assets are secondary in interest and have better Web 2 outlets to provide better UX and exchange fluidity. Isn't the entire aim to bring those assets on chain? The value in blockchain is cost savings and freeing up illiquid assets? Are you trolling me? You don't seem to know a lot about Chainlink, but you are acting as if you do.

Aconyminomicon

The guy responding to you is the typical Hedera hater who knows basically nothing about the difference in hashgraph DLT vs blockchain DLT. They don't know that Hedera is a solution to many problems, and inversly, 99% of large cap crypto like SOL/DOT/ETH/ADA are all different solutions to problems no one really has. If the coin isn't ISO20022 compliant, then the coin is not going to hold up long term. If you can't plug in to the existing framework like ISO compliant coins can, then why would SWIFT or any other network devote their own time and money into helping people use inferior networks like Solana or Ethereum. When SOL and ETH got ETF applications, nothing happened. When HBAR got its ETF application and only the application, it did a 6x. The smart money knows where to go but the average crypto person is psychologically manipulated with group think, echo chambers, and perpetual promises that will never be delivered.

kkye4

Totally fair take—and one a lot of long-time DOT holders are quietly sharing right now. You’re not alone in feeling that Polkadot’s momentum in terms of hype and narrative has cooled off, while Chainlink’s narrative is heating up again, especially around CCIP (Cross-Chain Interoperability Protocol). Here’s a breakdown to help you think it through: ⸻ Polkadot vs. Chainlink: Current Sentiment & Traction Polkadot (DOT) • Strengths: • Solid tech (shared security, parachains). • A dedicated dev community (Substrate framework is still used a lot). • Active in Web3 governance and cross-chain communication (XCM). • Weaknesses: • Sluggish adoption of parachains by killer apps. • Governance changes and the move to Polkadot 2.0 confused many holders. • Lack of hype and media buzz—it’s become more of an “infra” project, not a shiny consumer-facing ecosystem. Chainlink (LINK) • Strengths: • CCIP is gaining real traction—big names like SWIFT, DTCC, and tokenized asset platforms are experimenting or integrating it. • Chainlink’s oracle dominance is unmatched. • Maintains strong partnerships and buzz, especially in the real-world asset (RWA) narrative. • Weaknesses: • Centralization concerns (Oracle committees). • Some argue it’s more enterprise-facing than retail-focused. • Still working on fee/value accrual mechanisms for LINK token holders. ⸻ Community & Hype Shift • LINK’s hype is back, especially among DeFi and TradFi crossover folks. • DOT feels like it’s drifting—some of its original backers have shifted attention to other chains like Cosmos, Near, or modular solutions like Celestia. ⸻ If You’re Considering Rotating DOT into LINK • From a narrative momentum perspective, LINK is arguably in a much better position in 2025. • That said, DOT is probably undervalued on a purely tech basis—if Polkadot 2.0 ever clicks or parachains take off, it could be a sleeper. • If you’re more into momentum and growth narratives, LINK might feel more “alive.” • If you’re still a believer in long-term infrastructure bets, keeping some DOT or rotating only part might make sense. ⸻

CunningStunt_1

Perhaps a coin with unparalleled banking connections. Yet still undervalued relative to the rest of the market. [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) [Euroclear](https://www.finextra.com/pressarticle/102833/eurocler-and-swift-join-chainlink-ai-and-blockchain-initiative-for-corporate-actions) [Central bank of Brasil](https://www.prnewswire.com/news-releases/chainlink-joins-banco-inter-microsoft-and-7comm-consortium-to-support-trade-finance-use-case-in-phase-2-of-drex-pilot-302309772.html) Chainlink.

Ok_Resident2948

You may want to consider using an OTC broker/trading desk instead of exchanges (centralized or decentralized). They offer: * Far greater liquidity (utilize institutional liquidity pools/networks) * Greater privacy of your transactions * Little to no slippage issues * No front running (orders are not visible to the market like w/exchanges) * Less issues with network congestion that can delay your activities * VIP level service rather than an impersonal app for everything OTC brokers will allow you to maintain your own wallet (i.e. Ledger, etc.) rather than provide you with custodial services which is important for those concerned with losing access due to financial failure of a custodian or it being hacked. The downsides to OTC brokers: * Minimum trade size requirements * Potentially higher fees to transfer fiat out to bank accounts (SWIFT Wire or ACH) * Limited more towards established tokens, no ICO’s and many meme’s OTC brokers are ideal for those who are high volume traders or trade in large blocks that can be disruptive to the markets and offer far greater privacy with regard to your trades and orders. I highly recommend this option over a CEX or DEX, especially if you trade on a regular basis or simply want a better level of service.

Opposite-Cod-8290

Because it’s a one trick pony with all its eggs in one basket. SWIFT is owned by the banks do you really think they would let someone else run there operation?

arBettor

BREAKING NEWS (some future date): Brad Garlinghouse becomes world's first trillionaire for completely failing to disrupt SWIFT.

Onauto

XRP. It IS decentralized. Ripple is not. People always get that wrong. It’s the future of global trade and finance. Currently number 3 crypto built by bitcoiners. Relationships with 300 institutions, partners with BofA, 7% of South Korea uses it almost daily. Japan lowered taxes on XRP from 50% to 15% and 80% of their banks have been approved to use it. UAE and India just completed an oil deal using it. Candidate for the FedNow system. Possible replacement of the SWIFT system but more likely, SWIFT will integrate XRP to stay relevant. Named first for the US crypto stockpile. Connections with WEF, IMF, and many governments. Likely to surpass ETH and has versatile functionality. 19 ETF’s filed, Tokenization of RWA, cross border payments, NFC’s, DeFi getting there, leveraged trading now available. There’s too much to list. It’s the chosen coin. I have high coinfidance in its future.

Leafan1976

If you are willing to hold for 2-5 years. I would suggest $HBAR is priced lower than a lot of others still. Under .20 currently. But the tech and Council that Hedera has is different from Blockchain. Called HashGraph. The HashGraph is already Quantum Secure and Running in real world scenarios. I could rhyme off a list of things. But SWIFT is running payments on HashGraph (will probably beat out XRP) SEALSQ already has 21 Million homes running their Smart Hydro meters on Hedera HashGraph, they also already have a satellite in Space (SealSQ) running on Hedera. Everyone is overlooking HBAR BIG TIME I believe HBAR/Hedera will over take ETH in 5 years, as the council has been preparing for this moment for YEARS. They will be one of the FIRST to pass all regulations necessary, again because they have built under the impression that Regulation WILL be Implemented if Crypto is to see MASS adoption.... Ya. So I'd buy HBAR if I was picking anything in the top 50 for a long term hold. Oh ALSO of NOTE .... HBAR has a 100 year Business plan already.... They are NOT going anywhere BUT UP

DasKapitalist

All of these comments assume a BTC country is going to engage in a protracted conventional war with Opforistan. Rather than just put a price on the head of the leader of Opforistan and his generals. That's hard to do with fiat because the bankster oligarchs will cut nations out of SWIFT if they dare to make wars personal, but with crypto you can't stop the signal. Fortunately the possibility of that will likely prevent conflict for the same reason no one invades countries who possess nuclear weapons - the risk of the conflict becomes too personal.

Fickle-Rich2581

Look, personally, I think xrp is going to be the new financial system for banks to transfer money because SWIFT needs to change. While trump is in office you could see some crazy returns if he pushes them and they get mass adoption. When he’s not president, who knows what democrats will do to it. The banking world moves slow, so you’re probably better off putting it in bitcoin, because, even with good Bullish news, the economy is going to scare any gains. Now I feel it’s better to put money in gold then crypto then stocks for the immediate future. Stocks last, too scared of what trumps doing. My opinion

Aconyminomicon

This is not correct at all. Chainlink........links different blockchains into the existing financial infrastructure (SWIFT network). It is chain Agnostic. They are basically selling the pick axes to all the people who think they struck gold. Without Chainlink, there would be no crypto.

Cryptocaller

Haha, your lies just keep getting worse. Who cares if you’re up personally? I bought XRP at .17 cents…Echo cares, it’s crap. How about you defending some of your main talking points instead of just blathering on? Brad himself said that he could see Ripple LLC, ie: XRP as a replacement for SWIFT/ACH. “Not an American based crypto” is unprovable. But why does that even matter? Are you some type of neo-nazi? No one cares about the founding country of origin of any crypto. “No creator”. Well then how does it exist if no one created it? You simply don’t know who they are and your perspective that this is a bad thing is ideologically flawed. They/them created Bitcoin and then walked away with zero profit. Brad on the other hand “minted” out of thin air 100,000,000,000 Billion tokens and proceeds to sell millions them every year and the only person that benefits from those sales is him. “And it’s connected to Tether” Oh yeah? How exactly? “All signs point to it going straight to zero” Now you’re just clowning around. Nothing points to the number one crypto currency in history over the past 16 years as “going to zero”. I would like to hear your opinion but you are an absolute moron and so I’ll simply say good luck in life because you’re going to really need it.

Cryptocaller

You’re so funny. Regardless of your investment staring point, BTC will always be a better investment. Do you even understand the functionality of XRP? They’re trying to replace SWIFT/ACH as a transactional token. Where’s the store of value in micro transactions? You have no clue what you’re even talking about. You’ve been sold on the memes of XRP. You will 100% lose all of your money.

MrBluoe

This is what chatGPT has to say about my comment in case anyone's interested: You raise some valid points. Here’s a breakdown of the selling point of XRP and where its value lies: 1. XRP’s Target Audience: Unlike other blockchain networks targeting individual users or Web3 projects, XRP is primarily focused on financial institutions (banks, payment processors, remittance services). This is a more traditional business model, relying on institutional partnerships and cross-border payments. 2. Revenue Model: Ripple sells XRP to institutions that want to use its liquidity tools (like On-Demand Liquidity, or ODL). While fees are low, Ripple charges financial institutions for using these services, especially when providing cross-border liquidity. This makes money for Ripple even if the transaction fees are minimal. 3. Why Ripple’s Model is Attractive: Cross-border payments: XRP offers liquidity where traditional financial systems struggle. It helps institutions move money across borders quickly and efficiently (typically faster than SWIFT or traditional channels). Pre-mined coins: Ripple's pre-mined coins mean it has control over supply and can guarantee liquidity, a critical point for financial institutions relying on predictable transaction costs. Institutional Trust: Ripple is well-regarded in the traditional finance sector because it works within existing financial regulations. Many Web3 projects avoid traditional institutions due to regulatory issues, but Ripple leans into this space by offering compliance, which is an appealing factor for banks. 4. Network Sustainability: XRP’s consensus mechanism is efficient and low-cost, which allows the network to sustain itself with minimal transaction fees. Ripple’s institutional sales model will likely remain a key revenue source while its network growth (and increasing adoption) boosts the value and usage of XRP. 5. Decentralization vs. Centralization: While Ripple’s XRP Ledger is decentralized, Ripple Labs controls a significant portion of the supply (around 46 billion XRP). This centralization has been criticized, but the company claims that it is working toward decentralizing the ecosystem over time. On the other hand, some Web3 projects have more decentralized blockchains, which could appeal to crypto purists but don’t offer the same institutional-grade features or regulatory compliance that Ripple can. 6. Why Companies Pay Ripple: Reliability and scalability: Ripple’s blockchain offers faster settlement times and cost efficiency for large-scale international transactions. For businesses that need to transfer large amounts of money globally, the benefits outweigh using "free" chains that may not offer the same assurances. Regulatory Clarity: Ripple operates within a legal framework, which is often appealing to businesses that face compliance and regulatory pressure. In conclusion, XRP may not fit the Web3 or decentralized ideal for some, but it offers real-world utility to institutions looking for faster, cheaper, and more compliant cross-border payment solutions. If Web3 adoption is important for you, you might lean toward decentralized chains like Ethereum or Solana, but XRP's primary selling point remains enterprise adoption and regulatory trust. Sources: https://ripple.com/insights/understanding-ripple-and-xrp/ https://www.coindesk.com/business/2021/10/14/how-ripple-makes-money/

deviantgoober

Yet the problem is America influences SWIFT to do just that, even if its not fully American. Like the US Dollar, they block people out of SWIFT as a means of economic control.

Petursinn

Hahaha ... okokok, so you tell me XRP is like buying stock? But quess what? THERE IS NO STOCK, you dont own ANYTHING, you dont get to vote or get dividends, you own nothing! How on earth is that a good deal? XRP is to Swift what a pidgeon is to the internet, SWIFT is MAGNITUDES faster and handles MAGNITUDES more volume than XRP will EVER do. Where do you guys get your information?

Petursinn

I have had this conversion so many times now... I have some information for you right here, easily verifiable about XRP: \--- Centralization in XRP every transaction needs to be verified by a server from a pre-approved list. That list is "allegedly" not only Ripple servers, but it actually is only Ripple servers. Also it needs to be 90% the same on every node, meaning, it is basically the same list on every node. So in reality you have only Ripple servers that are approved in the pre-approved list and no other alternatives. This if from their official documentation [https://xrpl.org/docs/concepts/consensus-protocol/unl](https://xrpl.org/docs/concepts/consensus-protocol/unl) "Initially, it was believed that 60% overlap between two servers' UNLs was enough to prevent those servers from forking apart. However, further research showed that in the worst case scenario, 90% overlap was required to prevent a fork" \--- ISO20022 The whole narrative about Ripple somehow creating the ISO20022 standard to replace SWIFT and enforcing banks to use it is an absolute lie. ISO20022 is made by SWIFT, a company formed by the largest banks in the world that currently facilitates international transactions. There is a website dedicated to it [https://www.iso20022.org/](https://www.iso20022.org/), the standard is from 2013. Ripple simply implemented a subset of that standard, something thousands of financial companies around the world have done. This was a big narrative that Ripple was promoting on social media in September-December 2024, and it was an absolute disinformation campaign, but they were very successful in creating this illusion that they were bringing in new technology to replace SWIFT, namely the ISO20022 standard. It is quite clear that they were running a coordinated propaganda campaign with these messages using AI and bots along with paid influencer to hype up the XRP coin. There was also a big list of companies being pushed around that showed who had made NDA with Ripple. As if that meant any obligations between the two parties, which it clearly does not. \--- XRP token The XRP token is premined by Ripple, and it is sold by them to fund their marketing (instagram and youtube influencers) and development. Every XRP in existance has been created by them. Almost all utility cases that Ripple has developed evolve around a separated blockchain from the XRP. This means that everyone who is buying XRP, is basically just giving them money. There is no use case for XRP and there will never be any use case for XRP. (Read up on XRPL and the RLUSD)

Petursinn

Hahahah, you mean like one company holding more than 50% of the coins? You needing to register for a wallet with the central database? You needing to pay for said registration? The way that it can be shut down by the US government in a second? Or even by the Ripple CEO? Please tell me what makes XRP great and don not give me that SWIFT integration bullshit that has been debunked a hundred times.

JohnKostly

As long as there is the monopoly SWIFT, there will be Bitcoin. And as long as Mastercard and VISA censor, and have no oversight, there will be Bitcoin.

CunningStunt_1

The one working with SWIFT (11k banks), the DTCC (clears trillions a year), Euroclear (again, trillions), UBS etc etc. Shouldn't be too hard to identify if you don't go on social media. Use actual sources.

solenico

The point is that there is no incentive for financial institutions not to rather create their own blockchain being openly centralized. Not like XRP which is mushy centralized. Instant SEPA covers 36 countries. There’s no technical reasons it couldn’t cover all currencies using EUR as transfer currency. It exist and is proven technology. The decision not to make SEPA global has exactly same issues as XRP has. Still. It covers 36 countries and XRP covers 0. SWIFT is making money for banks with its crazy expenses. That’s the reason why banks are not interested in moving to other options. lol as much as you want, but XRP is dead horse for the reasons I have explained. Your discussion style calling the opponent stupid and constantly lolling tells a lot about your intelligence.

Renowned_Molecule

Owning BRICS PAY is like saying ripple could own SWIFT. SWIFT is not something someone can acquire.

robeewankenobee

>Currently, SWIFT is used by more than 11,000 banking institutions located in over 200 countries vs. >BRICS is an intergovernmental organization comprising ten countries – Brazil, Russia, India, China, South Africa, Egypt, Ethiopia, Indonesia, Iran and the United Arab Emirates. The title: >Is The SWIFT Monopoly At Risk Go home title, you're drunk.

coinfeeds-bot

tldr; Russia is spearheading the development of a BRICS payment network to reduce reliance on the SWIFT system and promote financial independence from Western influence. The system, called BRICS Pay, will connect national payment systems of member countries and be open to non-member nations. It aims to bypass sanctions, promote national currencies, and reduce dependence on the US dollar. However, challenges include internal BRICS divergences, the dominance of the dollar, and the need to ensure the system's reliability and global compatibility. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

bestjaegerpilot

it's important to note that the CEO of Robinhood said they plan on using SWIFT to sign transactions. That's like a big :shrug: But yea he also says tokenization is the future.

R4ID

> I don’t think you understand why SWIFT takes five days to move money. It’s not because of technology. it is 100% because of technology. each hop in the chain doesnt provide visibility into the transaction, you can send the money and call the bank and ask at what point is my money at in the chain and they legit have no idea. There is no Pre-messaging system from end to end, its from bank to bank. so at best your bank would say XYZ has it, you call them they say ABC has it right now, you call them ABC says EFG has it and so on and so on. There is no visibility no pre-messaging authorization end to end its individual companies handling each hop. Each has their own ledger, their own liquidity, their own mini payment network within the greater network itself. >By moving to global IBAN we could fix the issue and using SEPA we have it already working. I have thai bhat and need Egyptian pound. SEPA cannot help me atm > XRP cannot provide anything we already have working across Europe. XRP can do that transfer currently, SEPA can not. I would say that is providing something.

Longjumping-Bonus723

Pro tip: Chainlink is working with SWIFT ;)

solenico

I don’t think you understand why SWIFT takes five days to move money. It’s bit because of technology. It’s because of practicality. Bank can keep the money and earn interest. It’s made up problem. By moving to global we could fix the issue and using SEPA we have it already working. XRP cannot provide anything we already have working across Europe. We have the technology already now. It is not XRP. It’s IBAN and I tant SEPA.

R4ID

> Oh so now it’s irrelevant. Yes your knowledge about a different chain does not relate to how the UNL system for the XRPL works. >Can you yourself specify how is XRP faster and has less fees compared to SOL or Atom? Sol goes down regularly, and cannot exchange value from A to B. if I have Thai baht can I use Sol to get egyptian pound? how about Atom? do you understand why having a DEX built in at a protocol level that has AMM and order books plus ILP integration and autro bridging is important when doing payments? >Isn’t that your case? Do you use Wise? Have you ever used any modern digital services I sent money to Greece 3 months ago, it took 2 days to arrive via Wise. >Do you understand how much more progressed Europe is compared US to transfer money in the first place? and? >Do you have any idea how antique US bank system feels to non US citizens? im not a US citizen lol. >Do you know what IBAN is? I can transfer money within seconds between any European country just by using IBAN. US and Canada does not use IBAN which is why you don’t understand rest of the world is not reliant on SWIFT. Im familiar with it, Again please use Thai bhat to get egyptian pound. let me know how those corridors work for you.

solenico

Oh so now it’s irrelevant. Can you yourself specify how is XRP faster and has less fees compared to SOL or Atom? Isn’t that your case? Do you use Wise? Have you ever used any modern digital services Do you understand how much more progressed Europe is compared US to transfer money in the first place? Do you have any idea how antique US bank system feels to non US citizens? Do you know what IBAN is? I can transfer money within seconds between any European country just by using IBAN. US and CAnada does not use IBAN which is why you don’t understand rest of the world is not reliant on SWIFT.

R4ID

> XRPL is as much to trust as SWIFT. One an open source decentralized network anyone can join the other a private, permissioned network... uh huh. > It is trying to solve a problem that does not exist. Moving value from A to B is a problem to the majority of the world, theres a reason its a quadrillion dollar annual market cap >I can transfer money from EU to US by using crypto within seconds and with for example Wise within few hours. And you can pay a premium rate and fee to do so, Now try and move thai baht into Egyptian pound... do you understand the problem yet?

solenico

XRPL is as much to trust as SWIFT. It is trying to solve a problem that does not exist. I can transfer money from EU to US by using crypto within seconds and with for example Wise within few hours. I don’t see any reason why would banks go to XRPL. It just doesn’t make sense.

Jamesta696

It just sounds like you're either **jealous** or **mad** or both at their success, you're obviously not invested in it so why all the fuss? 🤔 No one knows who the inventors of Bitcoin are but yet we should buy it? 🤭 Sounds like a security risk. theres something we can pull on numerous tokens, yet Ripple is the most transparent of all. NDAs, Partnerships, adoption, integration into FedNow, successfully tested by hundreds of banks on the SWIFT system, ISO 20022 compliant, they buying out the right businesses so what if they integrate their technologies into them? I would do the same, that's how the world turns all companies do that, you're acting like this is something new and dangerous what they're doing 🥱  The bits of escrow being released and relocked each month could have funded their acquisition, who knows until they touch more on it, as they're transparent and you'll know soon enough. They are accomplishments, major ones, but the maxi mentality makes you see different,can't change your level of thinking, so good day to you ✌️

UbiquitousGrips

Yes, oracles that will connect tradfi to defi, provide instant settlement, and removes all need for a “trust based” system because they provide the truth, with slashing of LINK as an enforcement mechanism. It makes operating costs cheaper as well for these massive companies. It can even be extended to voting and AI to reduce voter fraud and AI hallucinations (providing incorrect info). It would’ve prevented the 08 crisis if their balance sheets were ran through truth based oracles, or prevented Enron, all because it removes the “trust me” aspect. I can go on and on, but when you look at SWIFT and DTCC who is partnering with Chainlink and soon to be live, it’s clear they are one of the best out there.

Hidden5G

Gold and research ISO20022 compliant tokens, SWIFT has imposed a deadline of Nov 2025 for full compliancy. Leave the OG meme coin behind…btc was labeled a meme coin by the coinbase CEO. It literally offers nothing but speculation, it’s nothing more than a digital rock. Use common sense. btc is like old flip phone tech, when the world has already moved onto smart phones.

NoFollowingMe

Yeah well aware. Saylors running a ponzi scheme that owns a huge percent of Bitcoin. Ripple doesn’t need affiliation with SWIFT because it’s building an alternative system, already processing millions in transaction volume for clients. XRP’s value proposition isn’t about "grabbing" SWIFT but offering a competitive edge in a trillion-dollar market, backed by a clear use case that sets it apart from mischaracterizations of centralized control or empty promises. I don't follow tiktok, you might. Clown. I get all my facts from legit sources and I've been close to buying HBAR but I'll stick with XRP. Thanks. In response to the escrow, do some more research before telling me that ripple owns 50% of it's supply. Lol that's not how it works.

Status-Nose-7173

XRP isn't buying anything, Ripple is. You know, Ripple aka the company that holds over 50% of all XRP tokens? Yet you're crying about BTC being a ponzi scheme? Interesting brain you have there. I'm sure the whole "grabbing 10% of SWIFT" is coming down the road any day... even though Ripple is not in any way affiliated with SWIFT but Chainlink is and Hadera has it's foot in the door. But yes, all the crpyto TikTokers are right, XRP to the moon.

Status-Nose-7173

That "grabbing 10% of SWIFT" coming down the road any day now I'm sure

Status-Nose-7173

That's the XRP gang now. *GUYS WE JUST NEED 10% OF SWIFT*

biba8163

> Without Defi you are relying on centralised exchanges exclusively. Your understanding of Finance is weak. Shitcoin trading is NOT finance. > I currently have access to a 2%-3% interest rate on AAVE thru my crypto investments. It is quite literally the lowest cost credit I have access to. Hell my mortgage is a massively collateralised position with a 6%-7% interest rate. Taking out loans using shitcoin tokens which typically drop -75% to -95% as collateral is finance. You cannot get a mortgage through the DeFI meme. You cannot get any real world financial products through bullshit DeFi memes. > But congratulations you are smarter than both SWIFT and DTCC who are actively backing oracles and a unified golden record thru Chainlink ChainLink is a scam: All it does is centralized shitcoin price feeds for shitcoin casinos. Once in a while they'll do some pilot partnership memes and create lots of hype luring more gullible noobs. LINK for the past few years has been shilling some pilot where Swift messages can be sent to multiple blockchains and the transactions are acknowledged. These pilots that no financial institutions use and no institutions pay for LINK to justify a meme token d dump like LINK a $10 Billion marketcap - How many hundreds of millions of revenue does ChainLink collect from financial institutions?! ZERO - How many hundreds of millions of investment does ChainLink get from financial institutions?! ZERO - Where does ChainLink get all their money to do these useless pilot programs that are solutions looking for a problem?! BAGHOLDERS And Bagholders are acting like Swift is some huge multi-national trillion dollar marketcap company. Swift is a bank messaging platform run by a Cooperative of 3,000 employees. Chainlink is a typical crypto scam like many that partnered with traditional real world companies to shill their tokens for fictional vaporware use cases. The only source of revenue has been 300 Million tokens dumped on bagholders since 2020 and the price is down -30% in 5 years.

nitrozing

Decentralisation of DAO’s is a legitimate concern. Your understanding of Defi and oracles though is very weak. Without Defi you are relying on centralised exchanges exclusively. Without Defi your options are to be a buyer or seller. You can never act as the market organising and profiting from swaps of buyers and sellers. The ability to organise trades and profit from the service through liquidity pools is quite literally a financial service by definition, yelling in caps doesn’t change the definition mate. I currently have access to a 2%-3% interest rate on AAVE thru my crypto investments. It is quite literally the lowest cost credit I have access to. Hell my mortgage is a massively collateralised position with a 6%-7% interest rate. Accessing cheap credit through collateralised positions is another financial service by definition which is possible right now. IDC to explain oracles to you anyway. If you can’t understand the use case of Defi which relies on oracles for timely information you’ll never realise the use of oracles. But congratulations you are smarter than both SWIFT and DTCC who are actively backing oracles and a unified golden record thru Chainlink. Stick to your guns though, I’ll stick to mine. Good luck!