The debate over XRP’s role in global finance has resurfaced after a post highlighted a document published on the SEC’s website some time ago. Bale (@AltcoinBale), a crypto proponent, shared the screenshot and commented directly on XRP’s quest to replace the payment behemoth SWIFT.
According to Bale, XRP will replace SWIFT, and investors must prepare for this massive shift. The attached document, titled “XRP Financial Impact Table,” outlines several areas where the adoption of XRP could unlock capital and reduce costs.
🚨XRP Replaces SWIFT🚨
Remember when the document below appeared on the SEC website 👀
Lock in. pic.twitter.com/JeU3kvyY4I
— BALE (@AltcoinBale) September 22, 2025
Replacing SWIFT with XRP-Based Liquidity
One of the most striking parts of the table is the proposal to “Replace SWIFT with XRP-based liquidity.” This suggests a future where XRP takes on the role traditionally filled by SWIFT, a network that has long been the foundation of cross-border banking.
The table associates this change with freeing up $1.5 trillion in U.S. Nostro accounts. These accounts exist so banks can facilitate foreign currency transactions, and reducing the capital tied up in them would create immediate liquidity and solve a major problem for the banks.
Transaction Fee Savings and Efficiency
Another element highlighted is transaction fee savings, where $7.5 billion per year could be saved by shifting global payments to XRP. Moving international payment infrastructure away from existing networks and adopting blockchain-based alternatives could drastically improve cost efficiency, and this illustrates why certain sectors may explore XRP as a settlement solution.
The table also outlines federal payment cost reductions, estimating $500 billion over 10 years. The proposed action is to implement XRP for IRS and Social Security payments.
While no official confirmation exists that such measures are under consideration, the inclusion of these projections in a document previously linked to the SEC has fueled ongoing speculation about XRP’s potential role in U.S. government systems.
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The final line of the table connects XRP adoption with “Capital for Bitcoin Reserves,” noting $1.5 trillion could be directed toward reinvestment into Bitcoin if these savings and efficiencies are realized.
Continuing Conversations Around XRP’s Role
Bale’s post resonated with many because it combines an official document with a claim that XRP could directly replace SWIFT. The table aligns with long-running discussions in the crypto community about the token’s potential for real-world utility, especially in payment and settlement systems.
The content continues to enter the ongoing conversation about XRP’s ability to scale into global financial systems. Many experts, including Ripple CEO Brad Garlinghouse, have called SWIFT outdated, and it’s only a matter of time before XRP takes over that 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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