SMQKE (@SMQKEDQG), a well-known crypto researcher, recently shared a noteworthy post on X about Ripple and XRP. His post included an image excerpt from the Review of Banking & Financial Law, Volume 36, which contained references to Ripple’s potential role in the global payments ecosystem.
By presenting this document, SMQKE highlighted an important perspective on Ripple from Morgan Stanley, one of the world’s largest financial institutions.
Even Morgan Stanley “considers Ripple to be a leading international payment alternative to SWIFT.”🙇♂️
Yes, it’s documented.📝👇 https://t.co/ZiU0osDC6D pic.twitter.com/brEUefFXon
— SMQKE (@SMQKEDQG) September 6, 2025
What the Document Shows
The image shared by SMQKE features a passage that outlines Ripple’s cost-saving advantages for banks and remittance providers. It notes that using Ripple, banks can reduce processing costs by up to 60% on certain payments. This efficiency directly benefits remittance recipients by making more funds available after fees.
The excerpt goes further by pointing to Ripple’s distributed ledger technology as a possible alternative to the long-established SWIFT system for interbank transactions. Specifically, it references Morgan Stanley’s evaluation of Ripple, citing the firm’s position that adopting a Ripple-like system could “shorten settlement periods, speed up transactions and reduce the risk of fraud.”
Importantly, the document also states, “Morgan Stanley considers Ripple to be a leading international payment alternative to Swift,” reinforcing the role XRP and Ripple can play in global finance.
What This Means for Ripple and XRP
This statement is significant because it reflects the perspective of a global financial powerhouse analyzing the impact of blockchain technology on traditional banking. It also shows XRP’s viability as a competitor in the international payments space. The efficiency gains outlined in the excerpt highlight the asset’s ability to streamline transactions, improve liquidity, and lower costs.
These observations indirectly strengthen XRP’s adoption. The broader ecosystem supporting Ripple’s solutions relies on XRP to provide on-demand liquidity and enhance cross-border settlement processes. If Ripple’s technology serves as an alternative to SWIFT, XRP will play a central role in supporting the infrastructure, acting as a bridge currency for the payment system.
SMQKE’s post sheds light on a documented perspective that elevates Ripple’s status beyond a niche blockchain solution. By referencing Morgan Stanley’s view of Ripple as a leading international payment alternative to SWIFT, the excerpt reinforces the seriousness with which Ripple’s model is taken in mainstream finance.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
For observers of XRP and its ecosystem, this adds weight to the argument that Ripple has established itself as a credible force in reshaping global payments, with XRP at the forefront.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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