SMQKE, a well-known crypto researcher on X, recently highlighted a significant point regarding Ripple’s potential future in the financial landscape. He shared a document that described Ripple in terms that set it apart from both established systems and emerging blockchain networks.
The excerpt suggested that XRP could survive because it is a better version of Bitcoin and SWIFT, and it could be used by traditional financial organisations for an advanced experience. This positioning places XRP not just as a competitor but as a digital asset that bridges old infrastructure and new technologies.
‼️RIPPLE = A BETTER VERSION OF BITCOIN AND SWIFT COMBINED‼️
Read closely.😶🌫️
“…Ripple could survive as it is a better version of SWIFT and Bitcoin network, and it could be used by traditional financial organisations for advanced experience of the current service industry…”💎… pic.twitter.com/aMhAxKc7wl
— SMQKE (@SMQKEDQG) September 20, 2025
Comparison with SWIFT and Bitcoin
The statement shared by SMQKE indicates that XRP carries the qualities of both SWIFT and Bitcoin, while offering improvements on each. SWIFT, the long-standing messaging network used by banks for cross-border transactions, has been central to the financial system for decades but suffers from slow settlement times, high costs, and reliance on intermediaries, making it outdated in the modern economic world.
Bitcoin, on the other hand, introduced the idea of decentralized value transfer but faces challenges with scalability and integration into traditional banking structures, due to its high fees and slow settlement time.
XRP addresses these shortcomings. By offering faster settlements, lower fees, and compatibility with financial institutions, the asset represents a system that solves practical problems for banks while being innovative when compared to traditional cryptocurrencies.
Its potential to serve as a more efficient and secure infrastructure makes it stand out against both of the systems it is being compared to.
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Why This Matters for XRP
If traditional financial organizations were to adopt XRP for their operations, the asset would serve a critical function as the bridge asset, enabling liquidity and settlement across currencies. This potential role provides XRP with utility beyond speculation, tying it directly to global financial operations.
The excerpt also indicates challenges that may arise, including the risks of system breaches and new problems created by advances in information and communication technology. However, the fact that Ripple has consistently worked on upgrading security while pursuing efficiency positions the company to adapt as technologies change.
The document’s statement that traditional financial organisations could use XRP could reflect a view that banks and payment providers may see practical reasons to integrate it. That possibility aligns with Ripple’s stated goals of reducing friction in global payments and creating an accessible, cost-effective alternative to existing systems.
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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