Crypto researcher SMQKE recently drew attention to Ripple and Stellar, arguing that both projects are increasingly positioned to dominate blockchain-based financial services, particularly in cross-border payments and correspondent banking.

In the post, SMQKE compared the long-term potential of Ripple and Stellar to the dominant role Visa and Mastercard hold in the traditional payments industry.

The researcher presented both blockchain networks as infrastructure-focused systems that are actively pursuing institutional integration rather than relying solely on speculative cryptocurrency activity.

The comparison centered on the idea that Ripple and Stellar already occupy a unique position in the blockchain industry due to their shared focus on international settlements, banking connectivity, and financial interoperability.

According to SMQKE, this positioning could allow both networks to emerge as the strongest duopoly in digital financial services if institutional adoption continues to expand.

Ripple and Stellar = The Next Dominant Duopoly in Financial Services.

Here’s why. https://t.co/vNhGY5hEU7

— SMQKE (@SMQKEDQG) May 27, 2026

Academic Research Highlights Ripple and Stellar’s Financial Focus

To support the argument, SMQKE shared excerpts from research publications examining the role of blockchain technology in payment systems and remittance infrastructure. The referenced material focused heavily on Ripple and Stellar as two of the most prominent blockchain projects targeting cross-border financial services.

One section explained that the two networks pursue similar objectives through different operational approaches. The publication stated that Ripple primarily focused on partnerships with banks and financial institutions worldwide to reduce dependence on intermediaries for international transfers. By using blockchain infrastructure, Ripple aims to make transactions settle more quickly and efficiently.

The same research also noted Ripple’s institutional reach, noting that the company had already formed relationships with more than 100 banks globally at the time of the publication. In contrast, Stellar was described as focusing more heavily on underserved and underbanked regions by creating lower-cost access to global financial systems.

Another highlighted passage discussed how both ecosystems use their native digital assets during international transfers. According to the research, transactions can move through XRP or XLM as bridge assets before converting into local currencies within seconds.

The papers suggested that this mechanism enables both networks to improve transaction efficiency while lowering settlement friction in cross-border payments.

Growing Attention on Correspondent Banking Solutions

SMQKE also emphasized another research section examining correspondent banking infrastructure, an area often viewed as one of the largest opportunities for blockchain integration within global finance.

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The publication stated that Ripple and Stellar were among the most frequently cited blockchain applications within academic literature focused on remittances and payment systems. The paper further noted that the two projects stood out, directly developing distributed ledger technology solutions for correspondent banking networks.

According to the researchers, Ripple had already established a significant track record through partnerships with banks and money transfer operators, while Stellar’s correspondent banking initiatives were still evolving. The paper added that Ripple became the primary subject of the study due to the availability of institutional partnership data and empirical material connected to the company’s operations.

These observations formed a major part of SMQKE’s argument that Ripple and Stellar are separating themselves from many other blockchain projects by focusing on real-world financial infrastructure.

Ripple and Stellar’s Institutional Direction

Rather than positioning themselves as competitors to retail payment apps or speculative crypto platforms, Ripple and Stellar direct attention toward institutional finance, remittances, and banking efficiency. SMQKE used the academic references to reinforce the view that both projects are attempting to establish themselves as core settlement layers for international value transfer.

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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The development fueled renewed momentum for Stellar’s native token, XLM, which rose sharply following the announcement. According to CoinMarketCap’s data, XLM gained 23% over the last 24 hours as investors reacted to the news.

The rally also triggered debate within the XRP community, with some questioning why the XRPL network was not chosen for the particular role highlighted in the DTCC announcement.

Vincent Van Code addressed those concerns directly in a detailed post, arguing that the situation should not be viewed as a setback for XRP or the XRP Ledger.

XLM having its day, after DTCC announced that "ONE" of the multi chain solutions will use XLM.

Now XRP folk are upset it wasnt XRPL, but I am not. Read on to learn why… pic.twitter.com/RIfXfTY1MF

— Vincent Van Code (@vincent_vancode) May 28, 2026

Vincent Van Code Says XRPL and XLM Serve Different Purposes

In his comments, Vincent Van Code explained that he believes XRPL and Stellar were designed with different priorities in mind. He stated that XRPL remains a “purpose-built liquidity machine” focused primarily on cross-currency payments and tokenization.

According to him, XRPL has been optimized for institutional settlement at a very high level. He pointed to features such as auto-bridging, liquidity pools, identity systems, and the platform’s decentralized exchange structure as examples of the network’s specialized capabilities.

At the same time, he suggested that Stellar likely met the specific technical and operational requirements needed for the DTCC solution. While he acknowledged that XRPL could potentially handle similar tasks, he argued that Stellar “ticked all of the boxes” for this particular implementation.

Van Code emphasized that the blockchain sector is evolving into an ecosystem where multiple networks can coexist while focusing on different functions. He said the DTCC development reinforces his long-held view that blockchain has a unique use case rather than a network dominating every area of the industry.

XRP Community Reactions Continue

The comments generated additional reactions from members of the crypto community, including Marc Ross, who weighed in on the price performance of both XLM and XRP.

Ross argued that price action does not always reflect long-term value. He noted that XLM reacted quickly to positive news while XRP has often remained flat or moved lower despite favorable developments connected to Ripple and the XRP ecosystem.

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He also suggested that Ripple’s monthly escrow releases may contribute to selling pressure, limiting XRP’s short-term price movement. Despite that observation, Ross described the overall DTCC-related development as positive for both networks.

Caution Against Overcommitting to XLM

Although Vincent Van Code acknowledged the growing attention around Stellar, he also warned investors against assuming that rising network activity automatically guarantees long-term token performance.

He stressed that Stellar’s network growth and XLM’s price movement may be connected, but they are not the same thing. He advised market participants to remain cautious and avoid going “all in” solely for recent momentum tied to the DTCC announcement.

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The announcement immediately drew attention across financial and crypto markets because of DTCC’s central role within the U.S. financial system and the scale of assets connected to its infrastructure.

Crypto exchange Rudra reacted to the news on X, describing it as an official move toward placing U.S. securities on-chain through Stellar’s network. The post highlighted the enormous scale of DTCC’s operations and argued that the new development has secured a major position for Stellar in the institutional blockchain sector.

According to DTCC, the initiative is part of its broader multi-chain strategy and is designed to improve the way traditional assets move across digital ecosystems. The organization confirmed that tokenized DTC assets are expected to become available on Stellar in the first half of 2027.

IT'S OFFICIAL.

DTCC just announced they're tokenizing DTC-custodied assets on the #Stellar network.

$100,000,000,000,000 in U.S. securities. Going on-chain. On stellar:native rails.#Stellar just won the institutional race. pic.twitter.com/FgPJcGZUKa

— Rudra (@RudraExchange) May 27, 2026

DTCC’s Scale Gives the Development Major Importance

The significance of the announcement largely comes from the role DTCC plays in global finance. Through its subsidiaries, including the Depository Trust Company (DTC), the organization provides custody and servicing for securities valued at more than $100 trillion. DTCC infrastructure also supports processing massive transaction volumes annually across U.S. markets.

Because of that scale, the initiative represents far more than a standard blockchain partnership. The project introduces blockchain infrastructure directly into one of the most important components of traditional financial markets. Reports connected to the announcement indicate that DTCC and Stellar are evaluating several major traditional asset classes for tokenization, including U.S. Treasury securities, exchange-traded funds, and equities tied to the Russell 1000 index.

The development also strengthens the growing narrative surrounding real-world asset tokenization. Financial institutions have increasingly explored blockchain technology to improve settlement efficiency, collateral movement, and asset accessibility. DTCC’s involvement gives the sector higher institutional credibility.

SEC Framework Establishes Regulatory Foundation

Another important aspect of the initiative is the regulatory structure supporting it. The framework follows a No-Action Letter issued in December 2025 by the U.S. Securities and Exchange Commission’s Division of Trading and Markets. That guidance gave DTC authority to operate an asset tokenization service while maintaining traditional investor protections.

Under the proposed structure, authoritative ownership records will remain anchored with DTC. The Stellar blockchain will operate as the digital execution and settlement layer used for tokenized asset activity. This structure allows tokenized securities to carry the same legal rights and protections as conventionally held assets.

The regulatory clarity surrounding the initiative distinguishes it from earlier blockchain partnerships that lacked direct operational frameworks established by major financial regulators. It also demonstrates how traditional financial institutions are increasingly approaching blockchain integration through regulated and compliance-focused models.

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Why Stellar Was Chosen for the Project

The announcement has also intensified focus on Stellar’s technical infrastructure. Unlike many blockchain networks that depend heavily on smart contracts for token creation, Stellar supports native asset issuance directly at the protocol level. Supporters of the network argue that this architecture better aligns with institutional custody and compliance requirements.

Stellar also includes built-in compliance tools that allow administrators to restrict transfers, authorize wallets, freeze assets when necessary, and manage regulated financial activity. Those capabilities are considered important for institutions operating within strict regulatory environments.

DTCC emphasized that the initiative is part of a broader multi-chain strategy rather than an exclusive blockchain arrangement. However, Stellar securing a major public blockchain role within the project represents an important milestone for the network and for the broader digital asset sector.

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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Crypto researcher SMQKE (@SMQKEDQG) brought the clip to wider attention, noting that both networks are “directly mentioned and clearly shown in the international payments diagram as central parts of the global payments network.”

The presentation describes an open, regulated payment inter-network designed to connect every major financial network on the planet. It places XRP alongside SWIFT, Visa, and Mastercard as equal participants in this global infrastructure.

United Nations XRP + XLM https://t.co/qILJpZUGAd

— SMQKE (@SMQKEDQG) May 22, 2026

What the U.N. Report Shows

The presenter described the system as a connective layer over what already exists. “It’s not a new system, but it connects existing systems,” the speaker said. The goal is to build a system in which a payment initiated on any network should reach any other network, regardless of which platform processes it.

Ripple and Stellar were named directly alongside traditional financial giants. It’s not as alternatives, but as equal participants in the same infrastructure.

Three Phases of Development

The webinar outlined three phases for building this inter-network. The first is account addressing, described as “a global directory” that allows users to send payments using a simple identifier rather than complex account numbers.

Phase two introduces tokenized compliance, where a signed token issued by trusted compliance providers reduces the cost of meeting regulatory requirements.

Phase three targets real-time or near real-time settlement of cross-border funds using distributed ledger technology or CBDCs. XRP has already made strides in this field.

Ripple recently collaborated with Ondo Finance, Mastercard, and J.P. Morgan’s Kinexys to complete the first near-real-time, cross-border redemption of a tokenized U.S. Treasury fund. The XRP Ledger processed the asset leg of the transaction in under five seconds, outside traditional banking windows, establishing a working framework for 24/7 global settlement.

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Each phase builds on the last. Account addressing makes payments easier to route. Tokenized compliance makes them cheaper to clear. Instant settlement makes them faster to finalize. XRP’s speed and settlement efficiency position it well for the third phase.

Why XRP Stands Out

Ripple has spent years building infrastructure for cross-border payments. XRP settles transactions in 3 to 5 seconds at a fraction of a cent. The UN’s inter-network prioritizes real-time settlement as its third phase, which aligns directly with what Ripple already does at scale.

SMQKE highlighted that the webinar describes payments “to anyone, anywhere, on any network.” Ripple and Stellar are not just being evaluated for inclusion in this architecture. They are already in the roadmaps for the next phase of global finance.

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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In a recent post, the commentator argued that major institutions are gradually moving away from outdated payment infrastructure and adopting blockchain-based systems for more efficient cross-border transactions.

According to the post, XRP and XLM were created with a shared objective: improving international payments by reducing costs, increasing speed, and making transfers more accessible. X Finance Bull connected that use case directly to growing institutional adoption and rising interest in tokenized financial products.

Trillions in traditional finance are slowly pivoting to modern infrastructure.

That's why I'm more bullish on $XRP and $XLM than ever before.

These two assets share a singular mission: making cross-border payments fast, cheap, and accessible to everyone. $XRP.… pic.twitter.com/qowapwoi4q

— X Finance Bull (@Xfinancebull) May 9, 2026

Ripple’s Expanding Institutional Network

A large portion of the commentary focused on XRP and Ripple’s enterprise infrastructure. X Finance Bull pointed to Ripple’s connections with more than 300 financial institutions operating across over 60 markets worldwide. The post referenced several partnerships and integrations that supporters believe strengthen XRP’s long-term position within global finance.

Among the examples mentioned was SBI Holdings, which reportedly uses XRP-powered remittance services through a network of 26 partner banks in Japan. The post also highlighted Standard Chartered and its Zodia Custody platform, which utilizes Ripple-owned Metaco infrastructure.

The commentary further noted that Santander has worked with Ripple on blockchain payment initiatives since 2018. Another example involved Mastercard, which recently participated in a tokenized Treasury settlement transaction on the XRP Ledger alongside JPMorgan Chase and Ondo Finance.

X Finance Bull also emphasized Ripple Treasury’s reported processing volume of $13 trillion last year. The commentator argued that XRP and RLUSD are now becoming integrated into that infrastructure, potentially positioning the network for increased blockchain-based settlement activity in the future.

The post additionally referenced statements from Brad Garlinghouse, who previously predicted that 30% of global financial transactions could move on-chain within five years.

Stellar’s Role in Digital Asset Settlement

The commentary presented XLM as a major participant in the push toward modern payment systems. X Finance Bull stated that Stellar’s network has increasingly been used for remittances, digital asset transfers, and international settlement services.

The post also highlighted IBM and its World Wire payment platform, built on Stellar technology. It also noted Circle choosing Stellar as one of the primary networks for USDC issuance and settlement.

Another example involved MoneyGram, which integrated Stellar-based services to support crypto on- and off-ramp access across more than 200 countries. X Finance Bull also referenced Visa’s exploratory work involving Stellar for USDC settlements.

The post further noted that Franklin Templeton deployed a tokenized money market fund on Stellar. He described the move as a sign of growing institutional confidence in blockchain-based financial operations.

Focus on Cross-Border Payments and Regulation

X Finance Bull concluded by arguing that XRP and XLM are well-positioned because of their regulatory standing and technical design. The post stated that both assets have been classified as digital commodities by U.S. regulators and are compliant with the ISO 20022 messaging standard used in financial communications.

The commentator linked those developments to the future of cross-border payments, a market projected to approach $1.4 quadrillion by 2030. According to the post, while traditional correspondent banking systems remain expensive, slow, and inefficient, blockchain networks such as XRP Ledger and Stellar aim to offer a faster and more transparent alternative.

X Finance Bull ultimately presented XRP and XLM as two digital assets increasingly aligned with the direction institutional finance appears to be taking as tokenization and blockchain settlement continue to expand.

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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In a recent post on X, SMQKE wrote, “Ripple and Stellar have already undergone testing by SWIFT. XRP + XLM SWIFT. Now, it’s time for their live integrations.”

The statement presents a direct argument that previous testing should lead to real-world implementation. SMQKE describes the development as a progression rather than a possibility, indicating that institutional experimentation has already established a foundation for potential deployment.

The post also referenced a message shared in February, in which SMQKE asserted that a SWIFT webinar confirmed Ripple and Stellar were among the blockchain platforms examined during initial experimentation phases.

Ripple and Stellar have already undergone testing by SWIFT.

XRP + XLM SWIFT

Now, it’s time for their live integrations. https://t.co/5B5pjYzySJ

— SMQKE (@SMQKEDQG) March 23, 2026

SWIFT Webinar Confirms Scope of Blockchain Trials

To support the claim, SMQKE included a video excerpt from a SWIFT-hosted webinar. In the clip, a speaker explained that between 45 and 50 commercial banks participated in early blockchain research efforts around 2015. The speaker stated that the initiative explored the potential role of blockchain technology within financial systems.

According to the webinar, those early evaluations included networks such as Bitcoin, Ethereum, Stellar, and Ripple, along with other available blockchain solutions at the time. The speaker added that these efforts were part of early projects, including one referred to as Project Genesis, and described the period as one of strong institutional interest in distributed ledger technology.

This information aligns with SMQKE’s position that Ripple and Stellar were actively assessed within a structured environment involving multiple financial institutions coordinated by SWIFT.

Community Response Raises Regulatory Considerations

The post also prompted a detailed response from X user Neil Moonstrong, who questioned whether past experimentation should be interpreted as a signal for present-day adoption. In his reply on X, Moonstrong argued that the testing cited by SMQKE took place during a period when regulatory frameworks were less developed.

He stated that blockchain systems are now evaluated based on factors such as validator control, consensus structure, and the concentration of risk. According to Moonstrong, these considerations have become more significant as regulatory oversight has increased.

Moonstrong raised specific concerns regarding Stellar’s consensus model, explaining that quorum slices may appear decentralized but can concentrate trust within a limited set of validators. He argued that this structure could create exposure to regulatory pressure, describing it as a form of regulatory capture risk.

He concluded by stating that “testing ≠ adoption,” emphasizing that the regulatory environment has changed significantly since the initial experimentation phase.

Debate Reflects Diverging Interpretations of Blockchain Readiness

The exchange between SMQKE and Moonstrong presents two contrasting interpretations of the same historical developments. SMQKE views early SWIFT testing as a completed validation phase that supports immediate progression toward integration. In contrast, Moonstrong considers those experiments as preliminary steps that do not reflect current regulatory and institutional requirements.

The discussion on X continues to focus on whether early institutional trials can be used as a reliable basis for modern adoption decisions, particularly in a financial system that now places greater emphasis on regulatory clarity and risk management.

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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While decentralized finance offers many opportunities, it also introduces multiple layers of counterparty risk. Crypto enthusiasts who focus on holding their assets directly argue that simplicity may provide better results over time.

Avoid Lending and Loans

Stellar Expert (@StellarExpert), a crypto enthusiast focused on XRP and XLM, warned investors about exposing their tokens through lending or borrowing. He posted, “Do NOT lend your XLM. Do NOT take a loan against your XLM. Do NOT let it be rehypothecated.” Each layer of yield carries additional risk. When tokens leave an investor’s control, the risk shifts to the counterparties.

This perspective mirrors strategies used by holders of XRP, which has limited exposure to DeFi products. Investors who held XRP directly have benefited from price appreciation without engaging in complex financial structures. Stellar Expert suggests a similar approach for XLM. Holding tokens directly keeps them secure and fully under the owner’s control.

Do NOT lend your XLM.

Do NOT take a loan against your XLM.

Do NOT let it be rehypothecated.

Every layer of "yield" is just another counterparty risk. They win when you lose.

Keep it simple. Keep it yours.

— Stellar Expert (@StellarExpert) March 2, 2026

Focus on Direct Ownership

Maintaining direct ownership minimizes unnecessary risk. When tokens are lent or used as collateral, they enter systems controlled by third parties. Every additional participant increases the chance of loss from defaults or operational failures. By keeping XLM in personal wallets, investors eliminate these variables.

Stellar Expert’s guidance stresses the importance of simplicity. Yield-seeking strategies can offer short-term gains but require trust in other parties. Investors are not compensated for this risk if systems fail. Direct ownership avoids these vulnerabilities entirely.

He emphasizes that simplicity protects investors. “Keep it simple. Keep it yours,” he advises. By avoiding these practices, XLM holders retain full control over their assets. Direct ownership can deliver strong results while avoiding the risks associated with complex financial structures.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Strategy for Long-Term Growth

Investors managing XLM should prioritize strategies that preserve full ownership. Avoiding loans and yield products reduces exposure to market participants whose failure could negatively impact holdings.

Stellar Expert’s approach advocates for a disciplined, controlled strategy. By keeping tokens in personal wallets, investors can capture the benefits of network growth without risking counterparty failures.

This method does not prevent participation in the Stellar ecosystem. XLM can still be used for payments, transfers, and on-chain applications. The difference lies in maintaining custody of assets at all times. Holding tokens directly provides security and simplifies portfolio management.

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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He wrote, “XRP and XLM solve different problems within the same system. One focuses on large-scale liquidity and settlement, the other on access and inclusion. Both are necessary for a functioning global financial network.”

The statement suggested design intent. It also hinted at how blockchain may integrate into existing financial rails rather than replace them overnight.

XRP and XLM solve different problems within the same system. One focuses on large-scale liquidity and settlement, the other on access and inclusion. Both are necessary for a functioning global financial network. pic.twitter.com/U2PX0mvyDp

— Black Swan Capitalist (@VersanAljarrah) December 18, 2025

XRP and the Institutional Core

XRP was designed for speed, liquidity, and scalable settlement. Its design targets financial institutions that move large volumes across borders. Banks, payment providers, and liquidity hubs need assets that settle in seconds, reduce capital lockups, and operate with high reliability. XRP addresses these needs directly.

The XRP Ledger processes transactions in seconds and at low cost. That matters in wholesale finance. Cross-border settlement still relies on slow messaging systems and pre-funded accounts. XRP offers an alternative that reduces friction while fitting into regulated environments.

This institutional focus explains why XRP discussions often center on liquidity corridors, settlement layers, and enterprise adoption. Many also believe it can take over SWIFT’s role and usher in a new era of improved cross-border payment systems.

XLM and Financial Access

Stellar focuses on a different layer of the same system. XLM targets access. Its network supports remittances, micro payments, and financial services for users who remain outside traditional banking. Speed and cost still matter, but inclusion drives the design choices.

The Stellar network works well for consumer-facing applications. It enables tokenized assets, simple wallets, and low-value transfers that make sense in emerging markets. Both assets complement each other and can work together in a two-tier global financial system.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

One System, Two Functions

Aljarrah’s statement places both assets inside one financial architecture. XRP handles high-value settlement between institutions. XLM supports distribution and access at the user level. Together, they reflect how modern finance already operates.

Large banks clear and settle value through centralized systems. Retail users interact through payment apps and local rails. A global blockchain-based network needs both layers. XRP and XLM mirror that structure.

This alignment strengthens their positioning. It reduces overlap. It also increases the chance of coexistence rather than competition.

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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The message reinforces a long-standing view within institutional finance: the largest volumes and revenues are generated at the bank and corporate level, not through small retail transfers.

According to the analysis, this reality explains the continued relevance of infrastructure-focused firms such as Ripple and Stellar, which are positioned to serve institutional payment flows rather than consumer-facing use cases.

The post challenges the assumption that legacy money transfer companies are on the verge of being replaced. Instead, it suggests that established firms such as Western Union are more likely to adapt by integrating new technologies over time.

The transformation underway is not centered on the immediate removal of intermediaries, but on upgrading the core systems that support large-scale transfers between financial institutions.

Don’t forget: “The BIG MONEY is in cross border payments —> that’s why we have Ripple and Stellar.”

Watch. https://t.co/WMHQKCRh81 pic.twitter.com/SDc3m1RFqj

— SMQKE (@SMQKEDQG) December 14, 2025

Business-to-Business Payments as the Core Opportunity

The attached video expands on this idea by explaining that the most expensive and inefficient part of the global payment system exists in cross-border business payments. These transactions occur at scale, involve high volumes, and are typically handled through correspondent banking arrangements.

While the basic structure of these systems remains intact, the speed and efficiency of settlement can be improved through distributed ledger technologies that allow data to move faster than funds traditionally do.

From this perspective, the focus of networks like Ripple and Stellar is not on individual consumers sending money to family members abroad, but on enabling banks to transact with one another more efficiently. The emphasis is on backend infrastructure that supports institutional activity, where even small efficiency gains can translate into substantial cost reductions.

Permissioned Networks and Institutional Design

The speaker in the video also outlines a key distinction between open blockchain systems and those designed for institutional use. Open, permissionless networks enable anyone to participate without approval, which supports accessibility. In contrast, many systems intended for enterprise payments operate on a permissioned basis, where participants are known entities and membership is restricted.

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This structure aligns with regulatory and compliance requirements faced by banks. In such networks, participating institutions maintain direct relationships with one another and transact through shared ledgers that facilitate faster settlement while preserving established governance standards.

The process remains bank-centric, with distributed ledger technology, like the XRPL, acting as an efficiency layer rather than a replacement for the financial system.

Effect on the Payment Landscape

SMQKE’s post ultimately underscores that the largest financial opportunities in digital payments are tied to institutional adoption rather than consumer speculation. By targeting cross-border, high-volume transactions, companies focused on payment infrastructure are addressing a segment of the market where inefficiencies are most costly.

The analysis positions Ripple and Stellar as examples of platforms designed to operate within this reality, emphasizing that the future of payments innovation is being shaped behind the scenes, at the level where banks move money with other banks across borders.

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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The slides outline the current state of competition in the cross-border payments sector and the requirements for any system aiming to disrupt the traditional correspondent banking model.

Content of the Slides

The presentation begins by referencing the concept of “disruptive innovation,” attributed to the renowned Harvard Business School professor Clayton Christensen.

It highlights that technology acts as an enabler, but that a new business model is the key driver of meaningful change. Examples include industries disrupted by companies that do not own the assets traditionally associated with their sector.

The slides then address correspondent banking directly, stating that for any alternative to disrupt the model, it must achieve global reach across all countries and currencies, provide a viable Nostro/Vostro account alternative for settlement, gain regulatory support from authorities familiar with existing systems, justify implementation costs through measurable savings, and deliver superior service to customers.

A separate slide outlines the high level of competition in cross-border payments through a network diagram. This includes both legacy providers and newer entrants.

Ripple and Stellar are displayed alongside other companies and platforms, such as PayPal, TransferWise, Western Union, Ria, MoneyGram, Xoom, CurrencyFair, WorldRemit, Bitcoin, Payoneer, and Align Commerce.

A vertical label on the slide reads “Correspondent Banking disintermediation,” suggesting that these competitors are part of a broader trend toward bypassing or streamlining traditional banking pathways.

Ripple and Stellar featured in SWIFT presentation during discussion of replacing traditional correspondent banking

pic.twitter.com/iZrZYOyuz4

— SMQKE (@SMQKEDQG) August 15, 2025

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Ripple and Stellar’s Placement

Ripple and Stellar are positioned within the graphic as players offering faster and more direct alternatives for cross-border settlement.

Their inclusion alongside both major remittance companies and digital payment providers indicates that the presentation views them as part of a competitive field that is already influencing the sector. However, the “not yet” assessment on full disruption shows that SWIFT considers the correspondent banking model still intact, even as competition grows.

Commentary from Denis Samkov

In a response to SMQKE’s post, an X user, Denis Samkov, interpreted the mention of Ripple and Stellar as evidence of an ongoing shift in payment systems. He cautioned that while the inclusion reflects change, entrenched banking practices remain resistant to rapid transformation. He also noted that despite current interest in stablecoins, traditional financial structures will not be replaced in the near term.

The slides shared by SMQKE reveal that SWIFT acknowledges Ripple and Stellar as part of a competitive environment affecting cross-border payments. While the organisation does not yet classify correspondent banking as disrupted, it recognises that alternative networks are creating genuine competitive pressure.

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