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$XRP SWIFT, long the backbone of global banking communication, recently announced it is adding a blockchain-based ledger to its infrastructure. The move aims to modernize cross-border payments, improve interoperability, and accommodate the growing tokenization of assets.
With more than 40 global banks connected to its network, SWIFT positions this upgrade as a step toward instant, always-on cross-border transactions. Yet, despite the technological ambition, industry observers question whether the initiative will meaningfully address the deep inefficiencies embedded in legacy financial systems.
Software developer and blockchain commentator Vincent Van Code weighed in on X, arguing that SWIFT’s efforts, while commendable, may already lag behind the innovation curve. He emphasized that SWIFT remains fundamentally a messaging network without liquidity, relying on fragmented forex markets and legacy interfaces.
In his view, the true competition isn’t Ripple—it’s the systemic limitations of traditional banking. Van Code suggested that the only way SWIFT could realistically accelerate payments efficiency is through collaboration with Ripple, which offers native blockchain solutions that directly address liquidity and settlement speed challenges.

👉SWIFT’s Blockchain Initiative: Progress Meets Limits
SWIFT’s integration of a shared ledger is designed to improve interoperability and support tokenized assets. Thierry Chilosi, SWIFT’s Chief Business Officer, highlighted that the move addresses the need for faster, seamless transactions as financial markets embrace digital assets.
However, the system still depends on legacy processes, fragmented capital, and correspondent banking corridors, which may limit its ability to achieve the near-instant settlement that blockchain networks deliver natively.
👉Ripple’s Edge in Cross-Border Payments
Ripple’s network, underpinned by the XRP Ledger, facilitates immediate settlement and provides on-demand liquidity. Unlike SWIFT, it reduces capital costs and eliminates delays caused by intermediaries.
Van Code stressed that partnering with Ripple could allow SWIFT to leverage these advantages without attempting a complete overhaul of its existing systems. Such a collaboration would combine SWIFT’s reach with Ripple’s efficiency, creating a faster, more reliable global payments ecosystem.
👉The Strategic Choice: Collaboration Over Pride
The broader lesson is clear: legacy institutions must balance modernization with pragmatism. SWIFT can either attempt to develop blockchain capabilities internally or embrace partnerships that accelerate meaningful results.
Van Code’s perspective underscores that the latter approach may be the only viable path to remain competitive in a world increasingly dominated by agile blockchain solutions.
As global finance demands speed, transparency, and liquidity, SWIFT’s blockchain initiative may signal progress—but only collaboration with innovators like Ripple can bridge the gap between ambition and execution.

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