swift

📌 The global financial system stands between legacy infrastructure and modern innovation.

SWIFT vs Ripple — who will lead cross-border payments ?
🏛️SWIFT

🔹 Banking messaging network

🔹 Slow transfers (3–5 days)

🔹 High fees

🔹 Capital locked in intermediary banks
Strong history… outdated technology
⚡ Ripple (XRP)

🔹 Executes the payment itself

🔹 3–5 seconds settlement

🔹 Near-zero fees

🔹 XRP as an on-demand liquidity bridge

A modern solution to an old problem 🚀

SWIFT won’t disappear overnight,

but Ripple is capturing market share with speed, efficiency, and cost reduction.

The future belongs to faster and more transparent financial rails.
The real question isn’t:

❌ Who wins?

✅ Who adapts faster?

👇 Share your thoughts

Is Ripple the future of global payments, or will SWIFT successfully evolve?
#Xrp🔥🔥 #swift #Trump2024 #StrategyBTCPurchase

Veteran traders in the cryptocurrency world understand: In the early years of trading, fears of extreme price fluctuations and high transfer fees charged by Swift for cross-border transactions were prevalent, and platform failures could lead to total losses—these pain points have now been completely rewritten by stablecoins and self-custody!

At the beginning of 2024, the global market value of stablecoins surpassed 180 billion USD, with non-USD stablecoins experiencing explosive growth. This is no longer a speculative game, but a real financial revolution with tangible assets. USDT and USDC maintain their value through fiat currency collateral, while Dai uses ETH for over-collateralization in a decentralized manner. They have created a value layer that enables real-time settlement around the clock: cross-border remittances arrive in just a few minutes, with fees only a few cents, directly overturning the veil of traditional finance.

Sister Bai has been pondering a question these days: In the bull market of 2026, which trend will produce a hundredfold coin? Don't rush; come and dig with Sister Bai every day!

Sister Bai has been in the cryptocurrency circle for 13 years, witnessing countless concept hype, but this time the deep binding of Swift and blockchain is truly going to rewrite the rules of the financial game, and people in the cryptocurrency circle must pay close attention!

Perhaps some people still don't know what Swift is? It is the 'nerve center' of global finance, connecting more than 11,000 financial institutions and processing trillions of dollars every day. This giant, which has been operating for more than 50 years, is surprisingly playing a deep integration game with blockchain—BNP Paribas and Société Générale have already achieved interoperability of stablecoins and custody services through Swift. This is not an experiment; it is a solid implementation!

In recent months, the countries that make up BRICS (Brazil, China, Russia, India, South Africa, and other associate members) have intensified discussions and research on financial mechanisms that reduce dependence on the dollar in international transactions. This movement has been analyzed by experts in global economics as part of efforts for dedollarization and strengthening intra-bloc trade.
One of the most talked-about projects recently is the creation of a digital unit of account called 'The Unit', an instrument that could be used for trade settlement among member countries. This initiative, launched as a pilot, combines a basket of BRICS currencies backed by gold and is designed to explore alternatives to the dominant role of the dollar in cross-border payments.

SWIFT and Societe Generale's digital asset subsidiary, SG-Forge, successfully completed a test of tokenized bond settlement using the EUR CoinVertible (EURCV), a euro-pegged stablecoin that is compliant with the European Union's Markets in Crypto-Assets (MiCA) framework. The trial, conducted in early 2025, demonstrated the effective connection between traditional financial systems and blockchain technology.
Test Details and Findings
The collaboration showcased how SWIFT's existing infrastructure can facilitate the full lifecycle of tokenized bond transactions when integrated with blockchain assets, without institutions needing to abandon their current systems.
Key Use Cases Demonstrated: The test successfully covered essential market operations for tokenized bonds, including issuance, delivery-versus-payment (DvP) settlement, coupon (interest) payments, and redemption.
Technology Integration: The pilot successfully integrated the global financial messaging standard ISO 20022 with on-chain settlement assets, enabling faster, secure, and compliant operational processes.
Participants: In addition to SWIFT and SG-Forge, BNP Paribas Securities Services and Intesa Sanpaolo acted as paying agents and custodians during the transactions, confirming that tokenized assets can integrate with established market roles.
MiCA Compliance: The use of the MiCA-compliant EURCV stablecoin as a settlement asset addressed significant regulatory barriers, enhancing market confidence and paving the way for broader institutional adoption of digital assets within the EU legal framework.
Future Outlook
This successful test is a significant step toward the mainstream adoption of asset tokenization in capital markets. SWIFT plans to build on these findings by integrating a blockchain-based shared ledger into its technology stack, which will initially focus on enabling real-time, 24/7 cross-border payments. The initiative highlights the potential for collaboration and interoperability to shape the future of finance, blending the resilience of traditional finance with the efficiency of emerging technologies.
#Swift #SocieteGenerale #MiCA #stablecoin #Tokenization

In 2026, stablecoins have moved beyond being just a niche tool to becoming the backbone of the digital financial system. Their integration into fintech this year is defined by three fundamental pillars:
1. Real-Time Cross-Border Payments
Fintech has nearly completely displaced the traditional SWIFT system for remittances and B2B payments.
Speed: International transfers that previously took 3 days are now settled in seconds through networks such as Solana v2 and Ethereum L2s.