Ripple is positioned to leverage the significant shift in global banking as blockchain integration accelerates. According to a Ripple-backed report, since 2020, banks around the world have invested over $100 billion into blockchain infrastructure.
This trend, backed by data and institutional momentum, strategically positions Ripple to capture a portion of the $155 trillion cross-border payments market currently facilitated by SWIFT.
As of 2025, 345 banks have incorporated blockchain-based technology into their financial operations. According to Ripple’s recent findings, institutions such as HSBC, Goldman Sachs, and SBI Holdings are leading the charge.
HSBC is leveraging blockchain to digitize gold trading, while SBI is actively developing a quantum-resistant digital currency. These efforts highlight how blockchain is not merely a peripheral experiment for banks but is becoming central to their modernization efforts.
👍 According to a Ripple-backed report, traditional banks poured over $100B into blockchain tech between 2020 and 2024
😊 And 90% of finance execs expect it to have a major impact by 2028 pic.twitter.com/z1kpusdpV7
— Telbloggram (@Telbloggram) August 5, 2025
Ripple’s Broader Strategy in Financial Infrastructure
Beyond XRP, Ripple is expanding its influence in the global financial system. A key aspect of this strategy includes pursuing a banking license in the United States, which would allow Ripple’s integration into the regulated financial landscape.
The company’s XRPL platform, with its focus on speed, compliance, and scalability, stands out among blockchain systems considered viable for replacing or complementing SWIFT’s aging cross-border payment network.
Ripple’s technology is especially well-positioned to benefit from the growing demand for real-time settlements and programmable money. The company has increasingly emphasized the role of stablecoins—digital assets pegged to fiat currencies—for instant payments.
According to data from CB Insights, the global stablecoin market is expected to grow tenfold between 2024 and 2025. The anticipated surge in usage of RLUSD, USDT, and USDC aligns with Ripple’s ambitions in both payment processing and liquidity provisioning.
Ripple’s Potential Stake in SWIFT’s Market
The $155 trillion handled annually by SWIFT is under scrutiny from financial leaders worldwide, many of whom recognize the potential for blockchain-based solutions to reduce costs and increase transparency.
Ripple’s XRP Ledger has been identified as one of the top blockchain platforms capable of playing a major role in this market shift. As banks move to modernize their payment infrastructure, Ripple’s ongoing push for institutional adoption could align with the broader financial sector’s goals.
CB Insights’ contribution to the joint report emphasizes the alignment between financial institutions and blockchain innovators. “Over 90% of financial industry leaders acknowledge that blockchain and digital assets are now critical to the financial landscape,” the report states. This indicates a strong consensus among institutions, which positions Ripple’s solutions as potentially foundational to next-generation payment infrastructure.
Implications of the Institutional Shift
The influx of more than $100 billion into crypto and blockchain infrastructure by financial institutions over five years illustrates the scale of transformation already underway. This is not speculative capital, but rather targeted investment in the development of regulated, scalable systems capable of supporting mainstream financial activity.
Ripple’s inclusion in the top 25 most valuable tech firms, alongside companies such as Discord, Epic Games, and Canva, further underscores its strategic market position. As blockchain adoption grows among banks and stablecoin use rises, Ripple appears ready to capitalize on a rapidly evolving financial ecosystem.
🚨 @Ripple now ranks among the Top 25 most valuable private companies in the world 🫡 with a $15B+ valuation, per CB Insights! 💥
#23 on the list right behind the giants. 😳😳 #XRP #Ripple pic.twitter.com/I5PK6rfzzv
— Xaif Crypto🇮🇳|🇺🇸 (@Xaif_Crypto) August 4, 2025
With regulatory developments advancing and institutional alignment increasing, Ripple is emerging as one of the most credible blockchain-based solutions aiming to secure a meaningful share of SWIFT’s global transaction volume.
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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