Ripple Likely To Rule Out SWIFT Integration, Here’s Why

Ripple has been on the traders’ radar due to a flurry of developments and soaring speculations over the blockchain firm’s potential integration with the SWIFT payment network. Besides, the recent acquisition of the prime broker Hidden Road has further fueled discussions in the market. However, amid this, a renowned XRP community figure refuted claims and said that the blockchain firm is unlikely to integrate with SWIFT, citing key reasons.

‘Ripple Is Not Going To Integrate With SWIFT’, Expert Says

As Ripple Vs SWIFT discussions are soaring, XRP advocate Arthur on X recently dismissed the idea of the integration claims. According to him, the blockchain firm has always aimed to disrupt, not cooperate with, traditional financial messaging systems.

In addition, he explained that the XRP issuer was created as a faster, cheaper, and more transparent alternative to SWIFT, which he described as outdated. Simultaneously, Arthur emphasized the blockchain firm’s recent acquisition of Hidden Road. He said the acquisition isn’t about bridging into legacy finance but replacing it.

Meanwhile, this deal now gives Ripple direct access to core financial services like clearing, custody, and foreign exchange, he noted. “It signals that Ripple doesn’t need SWIFT anymore”, Arthur wrote.

On the other hand, he added that geopolitical tensions have turned SWIFT into a tool of control, especially for sanctioning countries. In contrast, the XRP issuer offers a decentralized, censorship-resistant system that better aligns with the needs of emerging markets.

He also highlighted that the firm is not trying to integrate into traditional finance. Instead, traditional finance firms are increasingly moving toward Ripple’s ecosystem. Arthur pointed to the blockchain firm’s growing tools, like smart liquidity routing and tokenized real-world assets, as examples of how it is becoming a major gateway for institutions.

In short, he concluded that Ripple isn’t joining SWIFT. It’s actively working to make it irrelevant. And the Hidden Road deal might have fast-tracked that goal.

Lawyer Weighs In: What’s Next?

Despite the recent comments from Arthur, a renowned lawyer in the XRP Community, Bill Morgan has responded with a cautious take to his comments. While acknowledging Arthur’s arguments, Morgan said that there may still be room for collaboration or even parallel use.

Morgan raised the idea of a “middle road,” where Ripple’s XRPL and RippleNet infrastructure could still integrate with SWIFT in a complementary way. This viewpoint keeps the door open for cooperation rather than total replacement.

Meanwhile, amid this, a recent XRP price analysis showed how high the crypto can go if it integrates with SWIFT. Considering all these aspects, the investors are keeping a close track of the Ripple & SWIFT developments and their potential impact on the XRP price.