Understanding the Token Standard

Multi-Purpose Tokens (MPTs) are XRPL’s standard for issuing tokenized assets, like real-world assets (RWAs). On the public XRP Ledger, token balances and transfers are visible on-chain, allowing anyone to inspect which addresses hold a token and how assets move between addresses.

While this transparency benefits many use cases, institutions often require greater confidentiality around holdings and transaction activity.

Privacy is coming to the XRP Ledger

Confidential transfer allow individual balances and transfer amounts of issued assets like RWAs to be hidden from validators and the public.

Institutions particularly benefit from
– Private collateral management
– Private settlement
-… pic.twitter.com/YhuRrREwSP

— Vet (@Vet_X0) July 11, 2026

Institutional Stakes Behind the Post

Vet listed specific benefits of the new amendment for institutions adopting this technology. He named private collateral management, private settlement, and the ability to hold market positions without signaling size to competitors. A fund moving large positions doesn’t want rivals watching every transfer and reacting in real time.

He drew a specific contrast with other privacy protocols. He said this approach remains “fully compliant unlike other protocols” because issuers and holders keep a key for selective disclosure. Auditors and regulators can still verify what they need to see.

The technical design backs up his claim. XLS-96 uses EC-ElGamal encryption and zero-knowledge proofs to hide individual balances and transfer amounts. Total supply remains public and verifiable through existing invariants, so validators can still confirm the system hasn’t been gamed. Issuers get a dedicated encryption key for auditing, and they can optionally add an auditor key for regulatory oversight. Neither key exposes data publicly. Both exist purely for authorized disclosure.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Where the Amendment Stands Today

The amendment remains a work in progress. Some parts of the feature still need to be finished before it works as intended, and the team building it hasn’t completed the steps required to make it fully safe to use.

Reviewers have already found real issues, too, and they’ve asked for changes before this can move forward. That back-and-forth is normal at this stage, and it’s a sign the process is working how it should.

Tying It Together

Vet’s post captures why this amendment matters for XRP’s institutional ambitions. RWA tokenization only scales if institutions trust the ledger with sensitive financial data. Full transparency blocks that trust. XLS-96 offers a path where privacy and compliance coexist, and Vet’s framing of the technology as compliant speaks directly to the audience XRP is courting.

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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Alongside the price structure, the analyst highlighted a fresh bullish signal in the weekly Relative Strength Index (RSI), adding to his positive outlook. Dark Defender said, “XRP weekly is quietly turning.” He added that the “Macro Wave 4 Low Is Likely In” and predicted a move to double digits for Wave 5.

And now, $XRP weekly is quietly turning.

The Macro Wave 4 Low Is Likely In, Wave 5 Surge to Double Digits is Loading.

A hidden bullish divergence just printed on the weekly RSI, too.

Most people will realise Wave 4 bottomed months after it did. Some already know pic.twitter.com/qWoYMuiiL1

— Dark Defender (@DefendDark) July 11, 2026

Wave 4 Structure Suggests Trend Reversal

Dark Defender’s chart follows an Elliott Wave count that labels the peak of XRP’s late 2024 surge as the end of Wave 3 before tracking a prolonged Wave 4 correction. The latest low appears at the lower boundary of a long-term ascending channel, where the chart marks the end of Wave 4 as the likely bottom.

The projected path then shows XRP moving sharply higher into Wave 5. The forecast extends through the upper boundary of the channel and reaches beyond $8 before heading toward the $10 region. The chart presents this move as the next stage of the long-term trend.

Key XRP Price Targets

The chart includes several Fibonacci extension levels that could act as important price zones if XRP continues higher. The 100% extension stands at $0.9327, while the 123.60% level sits at $1.2193. Above that, the 161.80% extension is marked at $1.8815, followed by the 200% level at $2.9032.

The highest displayed Fibonacci target was 261.80% at $5.8563. Dark Defender’s projected Wave 5 path continues above that level and finishes near the upper trendline in double-digit territory.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Weekly RSI Prints Bullish Divergence

The chart also highlights a hidden bullish divergence on the weekly RSI. Dark Defender circled two lows on both the price chart and the RSI to illustrate the pattern. While XRP revisited support near the lower channel boundary, the RSI formed a stronger low.

The RSI currently sits near the mid-30 range on the chart. Dark Defender identified the divergence as another signal supporting his view that the Wave 4 correction has likely ended.

Levels to Watch

The chart shows XRP trading above the lower boundary of the ascending channel after rebounding from the recent low. That trendline now serves as an important support level in the analyst’s outlook. Based on the chart, $1.2193 and $1.8815 stand out as the next resistance levels.

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 image initially looks bearish, but the price scale is flipped. Instead of calling for a breakdown, the chart compares XRP’s current structure with a previous cycle that led to a powerful rally. It suggests that a massive rally is coming, and ChartNerd is targeting double digits.

It's all over.. $XRP is going to ZERO..

Just like at this pattern pic.twitter.com/j2ReK7HMpg

— ChartNerd (@ChartNerdTA) July 10, 2026

A Familiar Pattern Takes Shape

ChartNerd’s first chart compares two periods in XRP’s history. In both examples, the asset traded beneath a descending red trendline and tested that resistance several times. Green arrows highlight each rejection before the pattern reaches its conclusion.

Flipping the chart, it shows that XRP was testing a rising support line. After testing that level four times between 2014 and 2017, the asset went on a historic run that analysts still reference today. The asset has now tested this trendline three times since 2020, and the chart shows it headed for a fourth retest. If this happens successfully, the asset could repeat history.

Follow-Up Chart Extends the Target

ChartNerd reinforced the outlook with a second chart that zooms in on XRP’s recent monthly candles. After an extended downturn, XRP is approaching the trendline. Testing that support could provide an explosive breakout.

The white arrow shows XRP moving into the trendline before breaking above it. The green arrow then extends toward a projected target of about $27. The analyst places that move near the 2030 period, indicating the analyst expects the advance to develop over the coming years.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Resistance Holds the Spotlight

The rising trendline remains the key level in both charts. ChartNerd’s comparison suggests repeated tests of long-term support can precede a significant breakout, and XRP’s historical performance backs this claim.

His analysis rests on the similarity between the current structure and the pattern that appeared before XRP’s previous major rally. The post uses a flipped chart to catch attention, while the follow-up makes the bullish interpretation clear. Together, the charts present a long-term outlook that places XRP on a path toward $27 by 2030 if the historical pattern repeats.

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 commentator Xaif (@Xaif_Crypto) shared a video of Ripple CEO Brad Garlinghouse breaking down that problem in under two minutes. His explanation addressed the fact that sending money is harder than it should be and explained why XRP exists.

Ripple's CEO just explained why XRP exists in under 2 minutes no jargon:

Venmo can't send to PayPal, even though PayPal owns Venmo. That's how broken our payment networks are.

Now scale that to sending money overseas: slow, expensive, and it can vanish for weeks.
Ripple's fix:… https://t.co/WaG21lAkTC pic.twitter.com/zgK8FYoYsg

— Xaif Crypto (@Xaif_Crypto) July 11, 2026

The Venmo and PayPal Problem

Garlinghouse opened with a comparison to the early internet. He pointed out that early email networks like CompuServe, Prodigy, and AOL couldn’t communicate. Users were stuck inside closed systems.

He argued that payment networks work the same way today. Venmo operates as a closed network. Garlinghouse noted that “until very recently, you couldn’t move money from Venmo to PayPal, and PayPal owns Venmo.” He called this disconnect illogical given that one company owns both platforms.

The Real Cost of Sending Money Overseas

Garlinghouse said the friction gets worse when money crosses borders. He described international transfers as painful, expensive, and slow. Mistakes happen, and funds can disappear for two weeks while someone tracks down what went wrong.

He put the issue in perspective with a comparison to space travel. He said you can “literally stream video from the space station,” yet moving your own money from one place to another remains unreliable. Ripple built its technology to close that gap.

XRP Solves a Problem Most Customers Never See

Garlinghouse made a deliberate point about how he explains Ripple’s mission. He said he avoids mentioning crypto or XRP when describing the company’s purpose because customers don’t think in those terms. He asked the audience directly whether anyone cares if a transaction runs through XRP to solve the problem.

His answer was no. Customers care about results. He explained that speed and cost are what actually matter to users. An XRP transaction settles in under 5 seconds anywhere in the world. The cost runs to fractions of a penny per transaction.

Garlinghouse presented these two numbers as the entire pitch. Banks don’t need to understand blockchain. They need a system that solves speed and cost issues they currently face.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

A Simple Pitch for a Complicated Industry

Garlinghouse didn’t lean on technical explanations or industry buzzwords. He compared payment networks to outdated systems to show how disconnected today’s systems still are.

The message landed because it avoided abstraction. XRP’s speed and low cost are concrete claims anyone can evaluate. Garlinghouse’s approach treated XRP as infrastructure that solves problems. For banks evaluating cross-border payment solutions, that infrastructure-first pitch may carry more weight than any amount of crypto terminology ever could.

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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Ripple has not sold XRP to retail for many years. At least try to get the basic facts straight. https://t.co/2F6veHlKnP

— bill morgan (@Belisarius2020) July 10, 2026

The Claim

Rynes opened with a sharp accusation. He said Ripple sells premined, zero-cost XRP to retail investors. He argued the company uses that revenue to fund stock buybacks and acquisitions that benefit only shareholders. Rynes called this a toxic arrangement.

He went further, describing XRP as a “bank-themed memecoin” with limited real utility beyond burning a fraction of a token per transaction to prevent spam on the XRP Ledger.

Bill Morgan’s Rebuttal

Morgan responded directly and didn’t hold back on the facts. He confirmed the misalignment theory has some merit and belongs in a risk-reward analysis. But he called Rynes’ version of it simplistic and said it needs to be heavily nuanced.

His central correction was simple. Ripple isn’t selling XRP to retail anymore. Sales now go to institutions or OTC desks. That single distinction changes who bears the exposure and how the transaction chain actually works.

Morgan also addressed the sponsorship angle Rynes raised, referencing Ripple’s college sports deal. He wrote that sponsoring a program “doesn’t make much sense if you think Ripple’s primary business is selling financial technology to banks.” He added that it makes perfect sense once you understand Ripple’s broader commercial strategy around XRP.

Institutional Demand And Long-Term Value

On the buyback question, Morgan pointed to something Rynes didn’t factor in. Institutional demand for XRP is rising. Without disclosure or hard data, he said, nobody can conclude the acquisitions Ripple makes will fail to add value to both Ripple shares and the XRP token over time.

His summary line captured his overall position. Institutions have “probably formed the same view as the market,” he said, that Ripple stock and XRP “can and do both increase over time even if not at the same pace.”

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The Wider Thread

Rynes pressed Morgan on four specific points in the extended exchange. These covered equity misalignment, zero-cost-basis monetization, escrow mechanics, and third-party OTC sales. Morgan’s reply zeroed in on incentive structures. He disputed that Ripple’s fiduciary duty to shareholders automatically harms token holders, and Ripple has also reaffirmed its commitment to XRP.

David Schwartz, Ripple’s CTO Emeritus, also joined the thread. He challenged the idea that shareholder gains come at token holders’ expense. He noted that if the claim were true, XRP holders would have paid lower prices when they originally bought in.

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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Following the Documented Trail

SMQKE presented his ongoing research as a running record that skeptics will eventually have to reckon with. He asserted that his breakdowns won’t be matched anywhere else on the Internet, adding, “I’ll be here every day until it’s confirmed.” He challenged critics directly, telling them their current tactics aren’t effective and daring them to get more creative when pushing back against XRP.

SMQKE isn’t laying out new evidence. He’s staking his credibility on his research into XRP and its global connections. He believes this will vindicate his stance, and he pointed readers to XRP’s potential connections with the DTCC and SWIFT.

XRP’s connections to both SWIFT and the DTCC are consistently laid out here.

When this all goes live, you’ll have the trail of evidence to look back on.

You won’t find deeper breakdowns anywhere else on the Internet.

And guess what else?

I don’t get tired.

I don’t give… https://t.co/6iS9SRWJG8

— SMQKE (@SMQKEDQG) July 11, 2026

The Findings

In an earlier post, SMQKE shared a document showing that XRP already reaches DTCC infrastructure through several routes at once. He started with Ripple Prime, which is a direct contributor to DTCC’s tokenization platform.

Ripple Prime’s presence in the DTCC Industry Working Group is a major recent development. DTCC named it in May 2026 alongside more than 50 firms, including BlackRock, JPMorgan, Goldman Sachs, and Circle, as part of a tokenization initiative targeting limited live trades in July 2026 and a full rollout in October.

The researcher also named two more firms. Fireblocks and Securitize are both DTCC participants that work with the XRP Ledger. He then points to DTCC’s acquisition of Securrency as a fourth path, arguing it mirrors how Stellar found its way into DTCC’s plans. He sums it up as “Multiple entry points for XRP to the DTCC.”

Where That Leaves XRP

DTCC’s own words are the clearest marker here. In May 2026, it named Stellar as the first public blockchain on its tokenization platform. However, it has not named XRP. SWIFT tells a similar story, with speculation about a potential integration, but no confirmed role for XRP anywhere in that system. Ripple Prime’s working group seat doesn’t change that, and Fireblocks, Securitize, or Securrency do not support XRPL in their own separate products.

That’s the gap SMQKE expects to be filled. The connections are real, and he believes they will push XRP into SWIFT and the DTCC, letting it dominate the market.

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 post on X accompanied by a detailed two-week chart, the analyst pointed to a rare alignment of long-term moving averages that he believes has historically appeared before significant upward expansions.

The analysis centers on XRP’s two-week timeframe, where EGRAG highlighted an unusual compression of the 50 Exponential Moving Average (EMA), 100 EMA, and 144 Weighted Moving Average (WMA). According to him, this is the first time these three moving averages have converged during a major consolidation phase.

EGRAG stated that previous instances of this type of compression occurred only after XRP had already formed its macro bottom, shortly before beginning substantial price advances. While he acknowledged that history does not always repeat itself, he suggested that the current structure resembles those earlier market conditions.

#XRP – 2-Week Time Frame: Has the Bottom Already Been Printed?

One observation caught my attention…
For the first time, the 50 EMA, 100 EMA, and 144 WMA are compressing together during a major consolidation.

Historically, this type of compression has occurred after the… pic.twitter.com/o7lqaKJYSE

— EGRAG CRYPTO (@egragcrypto) July 11, 2026

Analyst Outlines Expected Price Structure

Based on his primary scenario, EGRAG believes XRP’s lowest point in the current cycle may already be behind it. However, he does not expect the market to move directly into a sustained rally.

Instead, he outlined a sequence of technical developments that he believes would strengthen the bullish outlook. The first step would be a rebound toward the 50 EMA, which he estimates is located around the $1.60 level. He then expects that move to be followed by a rejection before XRP revisits the Fibonacci retracement region between the 0.618 and 0.50 levels.

According to the analyst, such a retest would represent the critical accumulation zone for long-term investors. He argued that this price action would complete a double-bottom structure with a lower low, providing the technical foundation for the next macro advance.

The accompanying chart illustrates this scenario, showing XRP consolidating within a large symmetrical triangle before a projected breakout. The image also identifies the key moving averages converging beneath the current price while highlighting Fibonacci retracement and extension levels that serve as future reference points.

Fibonacci Extensions Point to Higher Price Targets

EGRAG also shared several upside projections if XRP follows a price expansion comparable to previous market cycles. His conservative measured move places the cryptocurrency between $5.00 and $6.50.

He added that Fibonacci extension levels present more ambitious targets. Under this framework, the 1.272 extension projects XRP near $9, the 1.414 extension points to approximately $15, and the 1.618 extension suggests a potential move toward $31.

Despite outlining these targets, EGRAG emphasized that no outcome is guaranteed. He maintained that the most significant signal is not the price target itself but the compression of the long-term moving averages, which he believes indicates that a substantial market move is approaching.

He concluded that the remaining question is whether the current consolidation represents XRP’s final accumulation phase before another major expansion, encouraging traders to focus on market structure rather than short-term market noise or personal opinions.

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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One of the latest voices pushing back against those claims is XRPL validator Vet, who urged the community to stop spreading unsupported narratives linking XRP to organizations such as SWIFT and the Depository Trust & Clearing Corporation (DTCC).

In a post on X, Vet stated that SWIFT is not currently using XRP and advised community members to block influencers who claim otherwise or present such claims as certain future outcomes. According to the validator, repeated assertions that SWIFT has adopted XRP, or will, only damage the credibility of the XRP community.

SWIFT is not using XRP. I suggest Blocking all XRP influencers running around lying to you they are using XRP right now or tell you with certainty they will.

Free yourself, get lean. Same story with the DTCC news weeks ago.

It looks incredibly desperate, luckily its only a…

— Vet (@Vet_X0) July 11, 2026

Vet Rejects Claims About SWIFT and DTCC

Vet pointed to the same pattern in recent claims about the DTCC. Some X users suggested that the organization had integrated XRP, but there is no concrete evidence. He described these narratives as unnecessary and said they create unrealistic expectations among investors.

According to Vet, only a small portion of the XRP community continues to promote these stories, but their impact extends beyond that group. He maintained that spreading inaccurate information ultimately gives critics an easy opportunity to challenge the community and question the credibility of XRP supporters.

Responding to a community member who complained about what they viewed as increasing fear, uncertainty, and doubt surrounding XRP, Vet said much of that negativity is self-inflicted. He explained that when people publicly make claims that cannot be verified, others naturally respond by pointing out the inaccuracies. In his view, the criticism is directed less at XRP itself and more at those spreading misinformation.

Real Developments Deserve the Spotlight

Rather than relying on speculation, Vet encouraged the community to focus on developments already taking place across the XRP Ledger. He pointed to ongoing security improvements, the introduction of on-chain lending capabilities, the expansion of stablecoin activity, foreign exchange functionality, and compliant trading features through permissioned domains.

He also highlighted progress toward on-chain privacy, describing it as an important milestone for one of the oldest blockchains among the top digital assets by market capitalization. Vet suggested these technological advancements represent meaningful progress that can support long-term adoption without the need for exaggerated claims.

The validator added that developers and ecosystem participants work to onboard institutions and consumers while expanding XRP Ledger’s real-world use. Although he acknowledged that this work may not generate the same excitement as speculative rumors, he argued that genuine adoption is ultimately far more valuable.

Vet concluded that the XRP ecosystem is already making legitimate progress to support a positive investment thesis. Instead of promoting unsupported stories about SWIFT or other financial organizations, he encouraged the community to build confidence through verifiable achievements and continued development, saying that honest progress is far more compelling than narratives without evidence.

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, BankXRP highlighted a notable shift in Binance’s seven-day XRP deposit and withdrawal activity. According to the chart, withdrawal transactions now account for 53.3% of activity, while deposits have fallen to 46.6%. The researcher noted that this represents the widest gap between withdrawals and deposits in several months, even as XRP continues to trade around $1.10.

The chart attached to the post tracks Binance’s daily XRP deposit and withdrawal transaction percentages alongside XRP’s price movement. While the price has remained largely unchanged in recent weeks, the withdrawal percentage has steadily increased, reaching its highest level during the period shown.

BankXRP suggested that this trend indicates users are moving XRP off Binance rather than sending tokens to the exchange for potential selling. The researcher stated that this type of on-chain activity differs from what investors typically expect during flat price action, arguing that exchange outflows may reflect holders choosing to retain custody of their assets rather than preparing to liquidate them.

XRP's on-chain flows are quietly shifting on Binance
Withdrawals just hit 53.3% vs deposits at 46.6% the widest gap in months while price is stuck flat at $1.10.

People are pulling XRP off the exchange, not dumping it. That's not what "flat price" usually looks like https://t.co/dVxgWXBnjH pic.twitter.com/ECnKboJ2IV

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) July 10, 2026

MiCA Speculation Emerges in Community Responses

Following the post, some community members suggested that regulatory developments in Europe could be contributing to the increase in withdrawals.

One user, Simon M, commented that the activity may be linked to the European Union’s Markets in Crypto-Assets Regulation (MiCA). Identifying himself as German, he said he had withdrawn his XRP from Binance to another wallet due to the new regulatory environment.

His comment comes as the European Union reaches the end of its 18-month transition period for crypto firms operating within the bloc. Under MiCA, every exchange serving customers in the European Union must now hold the required authorization to continue offering services.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Reports indicate that only slightly more than 200 firms obtained full approval despite thousands previously operating across Europe. The regulatory changes have resulted in differing outcomes for major exchanges seeking to maintain access to the European market.

On-Chain Data Remains a Key Market Indicator

Although BankXRP did not claim that the withdrawal trend guarantees a future price move, the researcher emphasized that exchange flows can provide valuable insight into investor behavior beyond price alone.

With Binance withdrawals at 53.3% and deposits at 46.6%, the latest data suggests that a growing share of XRP holders are moving their tokens away from the exchange.

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 enthusiast Mrcauliman has addressed the growing confusion, explaining that while SWIFT is modernizing its infrastructure with blockchain technology, it has not announced the use of XRP or a partnership with Ripple. Instead, he stated on X that the financial industry is gradually moving toward many of the same objectives that Ripple has promoted for years.

Mrcauliman explained the role SWIFT plays in international finance. He said SWIFT is not responsible for moving money between banks. Rather, it functions as a global messaging network that tells financial institutions where payments need to go. He compared it to a delivery service that provides instructions but does not transport the package itself.

According to the crypto enthusiast, the actual transfer of funds still depends on traditional banking infrastructure. He noted that this system is often slow, costly, and requires banks to maintain significant amounts of capital in accounts across different countries to support cross-border transactions. He described this requirement as one of the industry’s long-standing challenges.

Everyone keeps asking about SWIFT and $XRP. Here’s what’s actually happening.

SWIFT is not money. It’s a messaging system. Think of it like FedEx. It tells banks where money needs to go, but it doesn’t actually move the money itself.

The actual movement of money still relies on…

— MRCΛULIMΛN (@mrcauliman) July 9, 2026

Why the XRP Community Is Following SWIFT’s Progress

Mrcauliman pointed out that SWIFT has announced new blockchain technology designed to help banks coordinate tokenized money while supporting around-the-clock operations rather than limiting activity to standard banking hours. He emphasized that these developments have generated excitement within the XRP community, but also stressed that many people have misunderstood what SWIFT has actually announced.

He clarified that SWIFT has not stated it will use XRP, has not announced a partnership with Ripple, and has not revealed plans to replace its existing infrastructure with the XRP Ledger. Instead, he said the significance lies in the direction SWIFT is taking rather than in any direct connection to Ripple’s technology.

According to Mrcauliman, SWIFT’s modernization efforts focus on many of the same goals Ripple has pursued for more than a decade. These include faster settlement, reducing trapped liquidity, enabling continuous 24/7 payments, supporting tokenized assets, and improving interoperability between financial systems. In his view, this demonstrates that the wider financial industry is increasingly recognizing the importance of these objectives.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Ripple Offers a Different Approach

Mrcauliman explained that Ripple addresses these challenges differently by using XRP as a bridge asset. Rather than requiring banks to pre-fund accounts worldwide, Ripple’s solution allows value to move within seconds through XRP when institutions choose to use that model.

He acknowledged that not every bank will adopt XRP as part of its payment strategy, adding that different institutions will make different choices based on their own business needs. He said this reflects how competitive markets operate rather than indicating success or failure for any single technology.

Concluding his remarks, Mrcauliman encouraged observers to distinguish between speculation and confirmed developments. He stated that claiming SWIFT is using XRP is inaccurate, while recognizing that SWIFT is moving toward the same future envisioned by Ripple is a more accurate assessment.

In his view, the most important development is the financial industry’s continued shift toward faster, tokenized, and always-available settlement systems, an environment that he believes the XRP Ledger was designed to support.

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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