🧵Ripple Already Replaced SWIFT. You Just Didn’t Notice. $XRP
While Twitter argued about lawsuits…
Japan, Philippines, Vietnam, and Indonesia quietly switched rails.
Not SWIFT. Not speculation.
XRP as the bridge.
While Twitter argued about lawsuits…
Japan, Philippines, Vietnam, and Indonesia quietly switched rails.
Not SWIFT. Not speculation.
XRP as the bridge.
First clue: Japan → Southeast Asia.
SBI Remit runs live remittances using $XRP as a bridge so banks don’t pre-fund Nostro accounts.
This isn’t a demo. It’s production.
SBI Remit runs live remittances using $XRP as a bridge so banks don’t pre-fund Nostro accounts.
This isn’t a demo. It’s production.
By 2023, those corridors reached Philippines, Vietnam, Indonesia with SBI VC Trade executing $XRP in real time for remittance requests.
Who supplies the plumbing under the floorboards? Tranglo.
It lit up ODL across 25+ payment corridors $XRP as the bridge; no costly pre-funding.
It lit up ODL across 25+ payment corridors $XRP as the bridge; no costly pre-funding.
Meanwhile, central banks quietly kicked the tires:
• Bhutan piloting a CBDC with Ripple’s tech.
• Palau issued a USD-backed stablecoin on XRPL.
Not hype public documents.
• Bhutan piloting a CBDC with Ripple’s tech.
• Palau issued a USD-backed stablecoin on XRPL.
Not hype public documents.
And in 2023, Ripple launched a CBDC Platform an end-to-end stack for central banks and FIs to issue and manage CBDCs/stablecoins.
The “rails” narrative got real.
The “rails” narrative got real.
Now contrast with SWIFT’s own story: it’s still the dominant global messenger but it’s racing to modernize (ISO 20022 by Nov 2025, gpi speed claims, CBDC “connector” tests).
Translation: the incumbent is upgrading because alternatives are working
Translation: the incumbent is upgrading because alternatives are working
SWIFT’s experiments even explore blockchain/tokenization routing with big banks because value is leaving the old pipes. (Their own press releases say it.)
swift.com/news-events/pr…
swift.com/news-events/pr…
So did Ripple “replace SWIFT” everywhere? No let’s be precise.
But in specific corridors (JP→SEA, via partners), the combination of Ripple rails + $XRP liquidity already bypasses the old pre-funding model.
That’s a replacement of function, not brand.
But in specific corridors (JP→SEA, via partners), the combination of Ripple rails + $XRP liquidity already bypasses the old pre-funding model.
That’s a replacement of function, not brand.
Look at the pattern: corridors lighting up, CBDC pilots, remittance volumes, and partners admitting they sell received $XRP instantly
(ODL is plumbing, not speculation). Put the pieces together.
(ODL is plumbing, not speculation). Put the pieces together.
The “biggest shift” isn’t a press conference.
It’s invoices settling faster. Accounts not pre-funded. Workers paid across borders without dead cash. That’s why you didn’t notice.
It’s invoices settling faster. Accounts not pre-funded. Workers paid across borders without dead cash. That’s why you didn’t notice.
Ripple didn’t need to win Twitter to win corridors
Has $XRP already replaced parts of SWIFT, function for function?
Has $XRP already replaced parts of SWIFT, function for function?
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