Versan Aljarrah, founder of Black Swan Capitalist, is watching an intriguing sequence take shape. He sees Ripple draining XRP off the open market, activating XRPL accounts, expanding RLUSD’s reach, and positioning XRP and its payment system against SWIFT.

His conclusion: “Activity first. Valuation later.” That is the lens he is applying to everything Ripple is doing right now.

The Moves Aljarrah is Flagging

Each element he highlights is a distinct action. In his view, Ripple is removing XRP from open market circulation, activating accounts on the XRP Ledger, growing RLUSD as a regulated stablecoin, and competing directly with SWIFT for cross-border payment infrastructure. Aljarrah reads these together as a coordinated install, not isolated developments.

When he says “XRP is the inventory,” he is arguing that Ripple is accumulating the asset before public demand arrives. Supply tightens the open market while the network expands underneath.

They’re draining $XRP off the open market, lighting up XRPL accounts, growing $RLUSD, and pointing Ripple at SWIFT in the same week. That’s the install. XRP is the inventory. Activity first. Valuation later. https://t.co/lA4Rmb3xsE

— Versan | Black Swan Capitalist (@VersanAljarrah) September 27, 2026

The Institutional Context

In a video linked to his post, Aljarrah places this inside a much larger picture. He argues that institutions like the World Bank, the IMF, and the Bank for International Settlements have spent years writing policy for cross-border payments, settlement risk, and tokenized financial infrastructure. “They’re not waiting on what everybody else has to say about it,” he said. “They’re waiting on the conditions.”

In his analysis, those conditions include war, energy shocks, bond market stress, fragmented trade, and rising compliance costs across traditional banking. Aljarrah said these pressures create permission for a new financial system to roll out. He states it plainly: “That’s kind of where XRP comes in, plays out for the whole world.”

What This Means for XRP’s Price

Aljarrah separates activity from valuation deliberately. The moves he describes across XRPL, RLUSD, and Ripple’s competition with SWIFT build the foundation. This suggests that XRP’s price will reflect that foundation once adoption scales.

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If his read is correct and Ripple is pulling XRP off the open market, available supply for retail participants shrinks. If institutional adoption of XRPL infrastructure grows alongside global payment reform, demand for XRP as a settlement asset rises. Both variables push in the same direction.

Aljarrah argues the setup is already progressing. The XRP Ledger’s activity and Ripple’s positioning are the signal worth tracking. His post captures the sequence Ripple is putting the activity first and expecting the valuation to follow.

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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Pantera Capital founder and CEO, Dan Morehead, has given XRP supporters another reference point for Ripple’s ambitions in the global payments sector.

During an appearance on CNBC’s Squawk Box, Morehead identified Ripple’s efforts against SWIFT as one of several major use cases that could shape the cryptocurrency industry. Crypto enthusiast Amelie shared the clip on X and connected Morehead’s remarks directly to her bullish outlook for XRP.

Morehead Connects Ripple With SWIFT

The CNBC segment examined blockchain development and the potential for newer networks to offer different capabilities from established cryptocurrencies.

Morehead discussed Solana’s transaction capacity. He said Solana could process up to 9 billion transactions per day, more than all capital markets activity combined.

The conversation then moved toward other potential applications for blockchain technology. Morehead pointed to Ripple when he discussed networks pursuing specific financial use cases.

“There might be other use cases, you know, like Ripple’s going after SWIFT,” Morehead said.

He then described Bitcoin as “digital gold” and identified several major use cases across the cryptocurrency industry. Morehead also emphasized Solana’s performance as a blockchain, describing the network as highly capable in terms of transaction processing.

Amelie focused on Morehead’s reference to Ripple and SWIFT when she shared the video. She wrote, “Even CNBC admits that Ripple is going after SWIFT.” She followed the statement with a direct XRP prediction, writing, “XRP is a done deal”

Even CNBC admits that „Ripple is going after Swift.“ $XRP is a done deal pic.twitter.com/86ZIm33Qlt

— 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) September 22, 2026

XRP Supporters Recall Ripple’s Earlier Challenges

The post also received a response from $XRPARMY, which placed Morehead’s comments within the history of Ripple and XRP.

$XRPARMY compared the current period with the 2017–2020 cycle and recalled how CNBC previously covered Ripple’s efforts in relation to SWIFT. The commenter said XRP supporters viewed that development as an important sign of Ripple’s ambitions in international payments.

The response then referenced the SEC lawsuit against Ripple. $XRPARMY said the regulatory case interrupted that earlier period and kept XRP under pressure for several years.

The commenter also pointed to a major difference between the two periods. The SEC lawsuit has now ended, while Ripple continued developing its payment infrastructure during the legal dispute. $XRPARMY therefore described the current period as a continuation of developments that began before the regulatory case disrupted the previous cycle.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Ripple’s Payments Strategy Remains Central

Morehead’s comments do not establish that Ripple will replace SWIFT, but they show that he views Ripple’s pursuit of the global payments sector as a distinct blockchain use case.

Amelie interpreted the CNBC remark as further confirmation of her conviction in XRP. Her post links Ripple’s payments ambitions with XRP and presents the development as part of a broader case for the asset’s long-term relevance.

The distinction between Ripple and XRP remains important, however. Morehead specifically discussed Ripple’s efforts in the payments sector, while Amelie linked those efforts to XRP in her post. That connection remains a key part of the discussion around XRP as investors assess Ripple’s expanding role in financial infrastructure.

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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ACI Worldwide, a global financial-technology company, has expanded its payments infrastructure to support transactions orchestrated through SWIFT’s ledger, as documentation from the payments technology company lists Ripple among the distributed ledger technology (DLT) rails it supports.

Crypto researcher SMQKE pointed to the development in a post on X and shared documentation showing the connection between ACI, SWIFT, and DLT-based payment systems.

SMQKE Highlights Ripple Reference

SMQKE wrote on X, “JUST IN: ACI OFFICIALLY CONNECTS TO SWIFT’S LEDGER —> RIPPLE IS LISTED AS A DLT RAIL FOR ACI.”

The researcher attached screenshots showing ACI Worldwide’s announcement and a separate ACI presentation about its work with SWIFT.

ACI Worldwide announced on September 22 that it had extended ACI Connetic to support payments orchestrated through SWIFT’s ledger. The company said the expansion will help banks process tokenized deposit payments alongside traditional payment types through the same operational controls, workflows, and infrastructure.

The move allows financial institutions to manage these payment types without creating separate digital-asset payment operations. ACI described the approach as a way for banks to connect different payment rails through a single operating model.

JUST IN: ACI OFFICIALLY CONNECTS TO SWIFT’S LEDGER —>RIPPLE IS LISTED AS A DLT RAIL FOR ACI

Documented below. pic.twitter.com/HJgiJCvBYo

— SMQKE (@SMQKEDQG) September 22, 2026

ACI Presentation Names Ripple

The second screenshot by SMQKE provides the key reference behind his post. ACI’s presentation explains that the company supports real-time payment schemes worldwide and helps banks connect to different payment systems.

The presentation specifically mentions “DLT (e.g., Ripple)” when describing the technologies that ACI can support.

SMQKE used that reference to connect Ripple with ACI’s expanding payments infrastructure. However, the reference does not establish that XRP forms part of the newly announced SWIFT ledger implementation.

ACI’s September 22 announcement focuses on SWIFT’s ledger and tokenized deposit payments. It does not state that ACI will use XRP for those transactions.

SWIFT Ledger Expands Tokenized Payment Support

SWIFT has been developing its ledger to support tokenized deposits and other digital payments for financial institutions. ACI’s integration gives banks access to Swift-ledger payment flows through its existing payments infrastructure.

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ACI also supports several types of payment networks and DLT-based systems. Its presentation identifies Ripple as an example of a DLT rail within that wider payments environment.

For XRP observers, SMQKE’s post focuses on the significance of that documented Ripple reference rather than claiming that the new SWIFT ledger initiative directly uses XRP.

The development nevertheless places Ripple within ACI’s documented DLT capabilities as the company expands its infrastructure for banks handling traditional and tokenized payments.

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 post Ripple (XRP) Involved? ACI Officially Connects to SWIFT’s Ledger appeared first on Times Tabloid.

Crypto investor and commentator Pumpius has highlighted a connection between recent BRICS initiatives on cross-border payments, central bank digital currencies, and financial reform and the thesis that XRP could play a role in a new global payments system.

His post points to developments involving India, BRICS, and international payment infrastructure, while presenting them as evidence of a trend XRP holders have followed for years.

Pumpius tweeted, “THEY ARE NOT EVEN HIDING IT ANYMORE.” He then pointed to India’s proposal to explore links between BRICS digital currencies through initiatives he described as mBridge, now BRICS Bridge, and BIS Project Nexus.

THEY ARE NOT EVEN HIDING IT ANYMORE

India just proposed linking BRICS digital currencies through what used to be called mBridge (now BRICS Bridge) and BIS Project Nexus.

At the same time, BRICS finance chiefs are calling for a full overhaul of the IMF and World Bank.

The… pic.twitter.com/wggfa1fCBV

— Pumpius (@pumpius) September 12, 2026

India Pushes CBDC Interoperability

India’s Reserve Bank has explored greater interoperability between the central bank digital currencies of BRICS members. The proposal focuses on connecting sovereign digital currencies to support cross-border trade and settlement.

India’s e-rupee forms part of this effort. The broader objective is to create payment infrastructure that can facilitate international transactions using digital versions of national currencies.

Pumpius connected this development to the XRP thesis that has circulated among crypto investors since 2018. He argued that the emergence of cross-border CBDC infrastructure resembles the payment architecture XRP supporters have anticipated.

However, the initiatives mentioned in the post are not all parts of one system. mBridge remains a separate BIS-led multi-CBDC project involving participating central banks. It was not simply renamed BRICS Bridge. BRICS Bridge is a separate concept associated with efforts within the BRICS group to improve cross-border payment connectivity.

Project Nexus also has a broader scope. The BIS developed Nexus as a framework for connecting domestic instant payment systems across countries. India’s UPI is among the systems associated with the initiative.

BRICS Seeks Changes To Global Financial Institutions

Pumpius also referenced calls from BRICS finance chiefs for reforms to the International Monetary Fund and World Bank.

BRICS finance ministers and central bank governors have called for an urgent reform of the Bretton Woods institutions. Their position seeks greater representation for emerging market economies through changes to quota and voting structures.

The push forms part of wider BRICS efforts to strengthen the role of emerging economies in global financial decision-making.

Pumpius tied these developments to creating payment infrastructure that can reduce reliance on established systems. He wrote, “The e-rupee, cross-border CBDC rails, and a payment system built outside SWIFT… this is the exact movie the XRP holders have been watching on repeat since 2018.”

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— TimesTabloid (@TimesTabloid1) June 15, 2025

XRP Connection Remains A Separate Question

The developments resemble several use cases that XRP proponents have promoted for years, particularly cross-border settlement, liquidity, and interoperability between different currencies.

However, the systems described in these initiatives do not establish that BRICS or its member countries are adopting XRP or the XRP Ledger. CBDC projects generally use sovereign-issued digital currencies and permissioned infrastructure designed for central bank requirements.

These developments support expanding CBDC interoperability and efforts to improve cross-border payment infrastructure. The claim that these initiatives represent an adoption of XRP remains separate from those developments.

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 post System Built Outside SWIFT: The Exact Movie XRP Holders Have Been Watching appeared first on Times Tabloid.

The global payments industry is undergoing a structural transformation. Crypto researcher SMQKE (@SMQKEDQG) highlighted a key piece of evidence to back it up and highlight Ripple and XRP’s role.

ISO 20022 is reshaping how financial institutions communicate and transfer value. One fintech company’s executive has made clear that SWIFT is not the only infrastructure capable of carrying that future forward.

Joe Higginson, Commercial Chief Officer at Identitii, addressed this directly in an interview with The Banker. He acknowledged SWIFT’s ISO 20022 mandate as noble and heading in the right direction. Then he added something significant: “SWIFT isn’t the only gateway in the world.”

Identitii: Ripple represents an alternative payment gateway beyond SWIFT.

Documented. pic.twitter.com/u1Mt02cbym

— SMQKE (@SMQKEDQG) September 12, 2026

Technology Has Already Decoupled From SWIFT

Higginson drew on his experience at Investec to illustrate this point. While there, he “built a payments platform that not only connected to SWIFT, but was looking at alternative payment gateways.” Those alternatives included Mastercard Send, Visa B2B, and Currency Cloud.

He then referenced the distributed ledger space. Companies like Ripple, he said, are “unlocking treasury payments by offering tokenised cryptography coins.” This positions XRP not as a speculative asset but as functional payment infrastructure operating alongside and beyond SWIFT.

ISO 20022 Creates Opportunity, Not Uniformity

ISO 20022 solves significant messaging and transfer problems. But Higginson identified a critical limitation. He stated that “you still don’t have interoperability globally.” Even with one standard in place, domestic rails outside SWIFT could diverge. “Regional dialects of ISO 20022 are a likely outcome of the change as domestic rails add their own flavour and requirements to the standard.”

This fragmentation creates a direct opening for XRP. Ripple’s technology operates across borders without relying on any single domestic rail or regional variant. As ISO 20022 adoption spreads and regional differences multiply, a neutral settlement layer becomes more valuable.

XRP’s Price Case Rests on Utility Expansion

The price argument for XRP follows from the utility. As more institutions recognize Ripple as a legitimate alternative payment gateway, demand for XRP as a bridge asset increases. Higginson’s comments reflect a shift in how fintech professionals categorize Ripple. It now sits in the same conversation as Mastercard Send and Visa B2B.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Institutions allocating to payment infrastructure take positions based on usage and adoption. XRP’s role in treasury payments, cross-border settlement, and now ISO 20022-adjacent infrastructure gives it a concrete use case that supports price appreciation over time.

Identitii operates in the payments compliance and data space. Higginson’s acknowledgment of Ripple as a genuine payment alternative adds to a growing record of XRP’s institutional validation.

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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Finance analyst Versan Aljarrah recently explained that the future of international finance could depend on an interoperability layer that could connect different digital currencies and payment systems.

He said, “Whoever owns the interoperability layer owns the next SWIFT,” while pointing to the Bank for International Settlements (BIS), Ripple, and central banks as important participants in developing this emerging infrastructure.

According to Aljarrah, the BIS has increasingly addressed interoperability in its discussions about a financial system involving multiple central bank digital currencies (CBDCs). He also highlighted Ripple’s participation in a working group focused on standards, arguing that this involvement places the company within discussions about how different financial networks could communicate.

Aljarrah said investors should not expect an official announcement declaring XRP as the next global settlement asset. Instead, he believes the more significant development is the work conducted around interoperability and Ripple’s role in those discussions.

Whoever owns the interoperability layer owns the next SWIFT.

The BIS is writing that script in speeches. @Ripple is already in the working group that writes the standards. Central banks are already testing the rails.

Don’t wait for a press release that says “XRP is official.”… https://t.co/MJmdrKewD3

— Versan | Black Swan Capitalist (@VersanAljarrah) August 31, 2026

XRP and Cross-Border Settlement

In his accompanying July 2025 article, Aljarrah presented a broader argument for XRP’s potential role in global finance. He focused heavily on cross-border payments and Ripple’s payment infrastructure, particularly the use of XRP as a bridge asset for moving value between currencies.

Aljarrah argued that traditional international payment arrangements require financial institutions to maintain liquidity across different jurisdictions, creating capital inefficiencies and increasing settlement costs. He contrasted this model with a system in which XRP could facilitate transfers between currencies without requiring institutions to maintain extensive pre-funded accounts.

He described this potential use case as one component of a larger financial infrastructure that could support faster settlement across international payment corridors. He also argued that expanding institutional usage would create greater demand for XRP liquidity.

CBDCs and Interoperability

Central bank digital currencies form another major part of Aljarrah’s thesis. He argued that CBDCs will require interoperability because digital currencies issued by central banks would otherwise remain confined to separate networks.

According to his article, Ripple’s work on CBDC infrastructure could provide technology for governments and financial institutions developing digital currencies. Aljarrah believes XRP could potentially operate as a bridge between different forms of digital money if institutions require a neutral asset for cross-border settlement.

His latest post connects this argument directly to his view of the BIS. By emphasizing the institution’s focus on interoperability and Ripple’s participation in standards-related work, Aljarrah suggests that developing interconnected financial networks could become more important than any single announcement about XRP.

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Tokenization and XRP Liquidity

Aljarrah also linked interoperability to the broader tokenization of financial assets. He says tokenized bonds, currencies, equities, commodities, real estate and other assets will require efficient settlement infrastructure as adoption expands.

In his view, high transaction volumes would require deeper liquidity and could increase XRP’s operational importance if the asset becomes widely used for settlement between different networks.

Aljarrah ultimately maintains that XRP’s long-term valuation would depend on the scale of financial activity it supports, not short-term market speculation. His argument centers on the idea that an increasingly digital financial system will require infrastructure that could connect separate networks, and he believes Ripple’s involvement in interoperability efforts is an important development to watch.

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 post Black Swan Capitalist: Don’t Wait for a Press Release that Says “XRP Is Official” appeared first on Times Tabloid.

Crypto researcher Dominique Esposito has proposed a different way to evaluate XRP’s long-term investment thesis, arguing that the focus should shift beyond the idea that XRP could replace SWIFT.

In a detailed post, Esposito pointed to publicly available documents and developments across Ripple’s institutional business, the XRP Ledger (XRPL), RLUSD, and the emerging native lending infrastructure as evidence of a potentially broader financial ecosystem.

Ripple’s Expanding Institutional Infrastructure

Esposito says Ripple has developed beyond its original focus on payments and is now building across payments, custody, RLUSD, treasury services, prime and markets, tokenization, and institutional capital markets.

According to the researcher, recent investments and initiatives have specifically referenced tokenized assets, settlement, and collateral mobility on the XRPL. Esposito sees these developments as important because they could connect Ripple’s institutional infrastructure directly with activity on the XRPL.

The post then highlighted RLUSD, noting that Ripple’s independently attested transparency information recently showed approximately $1.87 billion in circulation and around $1.98 billion in reserve funds. Esposito also noted that the stablecoin’s issuer operates under the New York Department of Financial Services.

The researcher described RLUSD as increasingly significant regulated financial infrastructure within the broader ecosystem.

1/ I think the XRP thesis has changed — and much of the evidence is hidden in plain sight in public documents.

Forget “XRP will replace SWIFT” for a moment.

Something potentially much bigger is being built:

Ripple institutional stack
↓
XRPL
↓
RLUSD
↓
XRP liquidity
↓
XRP…

— Dominique Esposito (@AtlasPs402) August 29, 2026

XLS-66 and Native XRP Lending

Esposito identified XLS-66 as one of the most important developments to monitor. The proposed XRPL Lending Protocol introduces a structure involving Single Asset Vaults, Loan Brokers, and borrowers using fixed-term loans with interest and first-loss protection.

The researcher emphasized that the model is designed to incorporate professional, off-chain underwriting rather than relying solely on anonymous crypto lending.

Esposito also noted that XRPL documentation states that Single Asset Vaults can hold XRP. Private vaults can restrict participation through Credentials and Permissioned Domains, potentially allowing verified capital to enter XRP-based lending structures.

The post linked this architecture with potential institutional users identified by Ripple, including payment providers requiring short-duration liquidity, market makers financing inventory, treasury teams deploying idle digital assets, and structured-credit lenders.

The Potential Role of XRP Treasury Strategies

Esposito also highlighted Evernorth and its XRP treasury strategy, arguing that the initiative deserves closer examination because it involves active deployment rather than simply holding XRP.

The researcher further cited a recent SEC filing identifying Ripple Labs as the sole member of Pathfinder Digital Assets LLC. Esposito used this information along with other developments to outline a potential institutional structure involving an XRP treasury, XRPL-based vaults, institutional borrowers, and market-making or collateral activity.

Under this framework, XRP could potentially move from being held as an asset to being used as productive institutional capital that generates interest or supports liquidity.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Esposito Emphasizes What Remains Unproven

Despite presenting the potential thesis, Esposito stressed that the final stage has not yet been demonstrated. The researcher noted that LendingProtocolV1_1 remains under development and said there is no evidence yet of hundreds of millions of XRP already moving through native institutional loans.

Esposito therefore identified protocol activation, the first institutional XRP vault, measurable XRP deposits, named borrowers, market-making or collateral usage, and disclosed interest or yield as developments that could demonstrate actual XRP demand.

Esposito’s central point is that the evidence should be tested, not assumed. For Esposito, the key question is whether the existing architecture eventually produces measurable institutional demand for XRP.

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 post Forget “XRP Will Replace SWIFT”. Something Much Bigger Is Being Built appeared first on Times Tabloid.

XRP investors are watching one comment. Ripple CEO Brad Garlinghouse addressed the company’s relationship with SWIFT during an old interview, and crypto commentator John Squire (@TheCryptoSquire) shared the clip with his followers.

The Comment That Caught Attention

Squire quoted Garlinghouse directly: “There are real ways that Ripple and XRP can work with SWIFT.” He paired the quote with the video clip and urged followers to watch what unfolds next between Ripple, XRP, and SWIFT.

The interview covered SWIFT’s global payments innovation initiative, known as GPI. Garlinghouse called it a meaningful advance after four decades of correspondent banking. He said the system worked, but has real limitations.

Remember what Brad Garlinghouse said about SWIFT:

“There are real ways that Ripple and XRP can work with SWIFT.”

He even compared the technological leap to going from a horse and buggy to a Ferrari.

Maybe we should start paying VERY close attention to what happens next…

— John Squire (@TheCryptoSquire) August 24, 2026

From Horse and Buggy to Ferrari

Garlinghouse used a comparison to describe the difference between incremental fixes and full transformation. He said the choice isn’t about making a “horse and buggy” faster. It’s about moving to a “Ferrari” instead. The comment captured his view that cross-border payments need a complete upgrade, not small tweaks to old infrastructure.

The interviewer then raised a prior claim that Ripple could eventually replace SWIFT. Garlinghouse didn’t repeat that stance. Instead, he adjusted the framing. He said he’d previously talked about ways Ripple could work with SWIFT, not replace it, suggesting that the company is open to a partnership.

Why Squire’s Post Resonates

Squire’s post ties directly to Garlinghouse’s own words. The timing adds weight to the message. SWIFT continues to modernize its own network through GPI, and Ripple continues to promote blockchain-based settlement as an alternative rail. Garlinghouse’s comments suggest the two systems could intersect, rather than exist as pure rivals.

Ripple is already making significant strides, as reports suggest a major Korean bank is moving from SWIFT to Ripple after a recent partnership. This trend is for XRP holders, as increased adoption and Ripple’s positioning affect how the market values the token’s role in cross-border payments.

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What Comes Next?

Garlinghouse didn’t offer a timeline. He didn’t name specific banks or announce a formal partnership. His comments outlined a philosophy: Ripple sees value in working with legacy systems while pushing them toward faster, more efficient technology.

Squire’s post amplifies that philosophy to a wider audience. The clearest takeaway comes from Garlinghouse’s own words. Ripple wants to work with SWIFT. The company sees room for both systems to coexist, with XRP positioned somewhere in that equation. Investors watching this space will likely treat any future SWIFT-related announcement from Ripple as a signal worth close attention.

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 post What Ripple CEO Said About Ripple (XRP) Working With SWIFT appeared first on Times Tabloid.

The possibility of XRP reaching $10,000 to $50,000 per token raises an immediate question: how could such prices be possible without requiring an equally massive amount of capital to enter the market?

Crypto analyst BarriC explains that the answer starts with a basic but often overlooked feature of the XRP Ledger: one XRP can be divided into 1,000,000 drops.

In his latest tweet, BarriC used that detail to explain the math behind his long-term price scenario and why he believes the conventional way of assessing XRP’s potential may be incomplete.

People hear “$10,000–$50,000 $XRP ” and immediately scream:

“MARKET CAP!”

But they’re asking the wrong question.

The real question is:

How much value could each $XRP move if it were used for SWIFT-scale settlement?

SWIFT is associated with roughly $5–$7.5 trillion in payment…

— BarriC (@B_arri_C) August 23, 2026

The SWIFT Settlement Calculation

BarriC said people “immediately scream ‘MARKET CAP'” when they hear five-figure XRP prices. He argued the real question is how much value each XRP could move if used for SWIFT-scale settlement. SWIFT is associated with roughly $5 trillion to $7.5 trillion in payment instructions daily, according to BarriC.

At $100 per XRP, moving $5 trillion would require 50 billion XRP. At $1,000 per XRP, that figure drops to 5 billion. At $10,000 per XRP, the daily requirement falls to 500 million tokens. At $50,000 per XRP, it drops further to 100 million tokens. BarriC’s point is simple. Higher unit prices mean institutions need fewer tokens to move identical dollar amounts.

Fractional Units Change The Equation

BarriC addressed a common objection directly. A high XRP price does not make the token unusable for smaller transactions, he said, because of drop-level divisibility. If 1 XRP equals $10,000, then one drop equals $0.01. If 1 XRP equals $50,000, one drop equals $0.05.

BarriC said fractionalization makes high prices practical rather than prohibitive. A higher price means more value moves per token, fewer tokens are required for settlement, liquidity concentrates in fewer units, and institutions gain efficiency.

Supply Scarcity Adds Another Layer

BarriC also pointed to XRP’s finite maximum supply as a factor in his calculation. Not every XRP will be available for settlement, he said. Some tokens sit in escrow. Some remain in private wallets. Some are lost permanently. A small transaction fee also gets destroyed with every XRPL transaction, further reducing circulating supply over time.

BarriC concluded carefully. He said the math does not prove XRP must reach $10,000 to $50,000. Instead, it demonstrates how those prices could make mathematical sense if XRP were required to provide bridge liquidity at SWIFT scale using only a limited portion of total supply.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Retail Price Versus Infrastructure Value

BarriC closed his post by distinguishing between two ways of viewing the token. Retail investors look at the price of one XRP, he said. Infrastructure use cases look at how much value one XRP can move. He described that distinction as the core difference in how people interpret five-figure price targets.

“10,000–50,000 XRP only sounds impossible when you still think it was designed to remain a cheap retail asset,” BarriC wrote. He ended with a summary of his central argument: if the system needs XRP, price must reflect function.

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South Korea’s financial sector is undergoing a major shift. Crypto commentator Market 24/7 (@Market_24_7)posted a statement that caught the attention of the XRP army.

He wrote, “XRP has replaced SWIFT in Korea.” The post referred to Ripple’s partnership with Jeonbuk Bank, the first regional bank in Korea to deploy Ripple Payments for cross-border remittances.

Ripple announced the deal in an official press release on August 18, and the community accepted it as a move to replace SWIFT. Ripple’s Asia-Pacific Managing Director Fiona Murray and Jeonbuk Bank President Park Choon-won held a signing ceremony in Seoul.

XRP has replaced SWIFT in Korea.

Its official.

— Market 24/7 (@Market_24_7) August 22, 2026

The Partnership

Jeonbuk Bank is a unit of JB Financial Group. It serves import-export companies, IT startups, and online content creators. These are businesses that move money across borders regularly.

Traditional SWIFT transfers route payments through multiple correspondent banks. The process takes days. Ripple Payments replaces that chain, with settlement completing in seconds and operating 24/7.

Park Chun-won called the partnership a path to emerge “as a digital finance leader that meets global standards.” For a regional bank, that is a significant declaration.

XRP’s Role In Korea

XRP has led Korea’s crypto market for years. It regularly surpasses Bitcoin and Ethereum in trading volume on Korean exchanges. The asset has a retail base in Korea that few other markets match globally.

The Jeonbuk Bank deal extends XRP’s presence beyond retail trading. XRP functions as the bridge asset in Ripple Payments transactions. Every cross-border transfer processed through the platform adds to XRP’s utility in live institutional payment flows.

This partnership is the first leg in the door. One commenter described it as a start, and it signals the start of a process to replace SWIFT infrastructure across the Korean financial sector.

Ripple’s Korean Expansion

Jeonbuk Bank is Ripple’s third Korean partnership in 2026 alone. In April, Ripple partnered with Kyobo Life Insurance, Korea’s largest life insurer, to explore tokenized government bond settlement. That same month, Kbank, Korea’s first internet-only bank, announced a proof-of-concept with Ripple for on-chain cross-border transactions.

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Ripple now holds positions across insurance, digital banking, and regional banking in Korea within a single year. Fiona Murray described it as “growing momentum across Korea’s institutional financial sector.”

The Start of Something Larger

Korea is not a test market. It is a proving ground. Ripple has moved through three major institutions in under twelve months. Jeonbuk Bank is the entry point into Korea’s regional banking network, a segment that SWIFT has dominated for decades. XRP is slowly taking over and could replace SWIFT if this trend continues.

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 post XRP Is Replacing SWIFT In Korea. Here’s What Is Happening appeared first on Times Tabloid.