RippleXity (@RippleXity), a decentralized news platform built on the XRP Ledger, recently shared that SBI Holdings has confirmed XRP can do what SWIFT does in four seconds at 60% of the cost.
The data did not come from a simulation. SBI Holdings has been running live XRP remittances since 2021, giving the figures real operational weight.
🚨 JUST IN: SBI Holdings says $XRP can do what SWIFT does in four seconds at 60% of the cost.
— RippleXity (@RippleXity) April 24, 2026
What the Numbers Mean
SWIFT transfers routinely take one to five business days to settle. They pass through multiple correspondent banks, and each one takes a cut.
XRP eliminates that chain entirely. Ripple’s On-Demand Liquidity (ODL) service converts the sender’s currency into XRP, moves it across the XRP Ledger, then converts it into the recipient’s currency on the other side.
The entire process completes in under four seconds. The 60% cost reduction comes directly from removing intermediary fees and idle capital requirements that SWIFT-based transfers carry by design. For banks, the savings are structural. For individuals sending money across borders, the difference is immediate and tangible.
SBI Holdings’ Consistent Support for XRP
SBI Holdings is one of Japan’s largest financial institutions. Its relationship with Ripple goes back to 2016, making it one of the earliest major institutional partners in the XRP ecosystem. In 2021, SBI Remit launched Japan’s first international money transfer service using XRP, starting with the Japan-Philippines corridor.
SBI’s commitment has only grown. In recent years, the firm has expanded its use of XRP beyond remittances into shareholder programs. Several SBI entities now offer XRP as part of shareholder benefits, and in 2026, SBI Shinsei Bank introduced an option allowing investors to receive dividends in XRP instead of cash.
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What Comes Next?
The latest performance data was presented at the XRP Tokyo 2026 conference on April 7. Japanese banks tested live remittance corridors between Japan and Southeast Asia in front of representatives from major institutions, including Mitsubishi UFJ Financial Group, alongside central bank officials from the region.
The 60% cost advantage is not theoretical. SBI has validated it through live operations across real payment corridors. As more institutions see those results, the case for adopting XRP-based infrastructure over legacy systems grows stronger.
The pilot corridors in Southeast Asia are the next frontier. If they move into full commercial use, XRP demand shifts from sentiment-driven to transaction-driven.
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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